Best of · Arbitrum · Updated
The best Uncollateralized Lending dApps on Arbitrum in 2026
We track 7 Uncollateralized Lending dApps that run on Arbitrum and have reviewed 5 of them in full. Our top pick is Clearpool Lending. Each one is scored on security, ease of use, fees and features.
Ranked list
- 1
Clearpool Lending
Uncollateralized Lending · Base, Ethereum, Optimism +6
Clearpool Lending is a permissioned marketplace where institutions borrow from on-chain lenders without posting collateral. It is credit-risk exposure, not a collateralised DeFi loan, and it is expanding to the XRP Ledger.
ScoreScore 6.8 out of 10TVL $200K+0.1% - 2
Union Protocol
Uncollateralized Lending · Optimism, Ethereum, Base +1
Union is an open-source protocol for peer-to-peer onchain credit, where users vouch for people they trust and those people can borrow without posting collateral. It is an interesting model, but small in size and carrying real default and contract risk.
ScoreScore 5.5 out of 10TVL $266K+0.0% - 3
cSigma Finance
Uncollateralized Lending · Ethereum, Arbitrum, Hedera +1
cSigma Finance is a lending protocol that pools stablecoin deposits for real-world business loans and onchain strategies. It suits readers who understand private credit risk and accept delayed withdrawals in exchange for higher stated yields.
ScoreScore 5.5 out of 10TVL $1.24K+0.0% - 4
Bion
Uncollateralized Lending · Ethereum, Base, Arbitrum +5
Bion offers eligible users a reusable stablecoin credit line based on wallet activity, with disbursements and repayments in USDC on Base. Its repayment options are outlined, but final fees, underwriting details, and key safety information are not published.
ScoreScore 5.5 out of 10TVL — - 5
Accountable
Uncollateralized Lending · Monad, Arbitrum, Robinhood Chain +5
Accountable provides data-verification infrastructure for onchain finance and describes a yield marketplace for borrower vaults and structured credit. Public details about fees, opportunity terms, and verification methods are limited.
ScoreNot rated yetTVL $1.73M+47.5% - 6
Pareto Credit
Uncollateralized Lending · Ethereum, Polygon, Optimism +1
Pareto Credit is an onchain private credit marketplace that connects institutional lenders and borrowers. It is early-stage with small TVL, so credit and counterparty risk deserve close attention.
ScoreNot rated yetTVL $241K+65.7% - 7
TrueFi
Uncollateralized Lending · Ethereum, Arbitrum
TrueFi is a DeFi credit protocol for stablecoin lending and borrowing without collateral. Its current loan terms, fees, and product availability are unclear.
ScoreNot rated yetTVL $21.7K+0.2%
Uncollateralized Lending dApps on Arbitrum: the numbers
- Tracked
- 7
- Reviewed
- 7
- Total TVL
- $2.46M
- Avg. score
- 5.8/10
DappsAtlas tracks 7 uncollateralized lending dApps on Arbitrum. Every one of them has a full review. The 6 that report TVL hold $2.46M between them, counting value on every chain they support. Accountable dominates, with 70% of that total. The top five account for 100%, while the median uncollateralized lending dApp holds $200K.
By value locked, the largest uncollateralized lending dApps on Arbitrum are Accountable ($1.73M), Union Protocol ($266K) and Pareto Credit ($241K). The best-rated is Clearpool Lending with 6.8/10, followed by Union Protocol (5.5) and cSigma Finance (5.5). The 4 rated uncollateralized lending dApps average 5.8/10, and none scores 8 or above yet.
Many also deploy elsewhere, most often on Ethereum (7), Base (5) and Optimism (4). All 6 with a confirmed status are active. Over the last seven days, combined TVL rose 36.1%. Accountable gained the most (+47.5%).
Largest by TVL
- 1
Accountable$1.73M
- 2
Union Protocol$266K
- 3
Pareto Credit$241K
- 4
Clearpool Lending$200K
- 5
TrueFi$21.7K
Highest rated
- 1
- 2
- 3
cSigma Finance5.5
- 4
Bion5.5
Method
How we ranked them
Reviewed dApps come first. Each DappsAtlas review scores security, ease of use, fees and features from 0 to 10 using public facts such as audits, documentation and on-chain data; the overall score orders the list, with total value locked as the tie-breaker. Projects we have not reviewed yet follow, ordered by total value locked. Scores are never sold.
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Frequently asked questions
What is the largest uncollateralized lending dApp on Arbitrum by TVL?
Accountable is the largest uncollateralized lending dApp on Arbitrum by total value locked, with $1.73M across all the chains it supports. It is followed by Union Protocol ($266K) and Pareto Credit ($241K). TVL figures come from DefiLlama and change daily.
Which uncollateralized lending dApp on Arbitrum has the highest DappsAtlas score?
Clearpool Lending has the highest score at 6.8/10, ahead of Union Protocol (5.5) and cSigma Finance (5.5). Scores weigh security, ease of use, fees and features, and are based only on facts we could verify.
How many uncollateralized lending dApps on Arbitrum has DappsAtlas reviewed?
DappsAtlas tracks 7 uncollateralized lending dApps on Arbitrum. Of these, 7 have a full review and 6 report value locked, $2.46M in total, counting value on every chain they support.
Which uncollateralized lending dApps on Arbitrum grew the most this week?
Among uncollateralized lending dApps with at least $1M locked, Accountable had the biggest 7-day TVL gain (+47.5%). Combined TVL moved +36.1% over the same seven days.
What is the average score for uncollateralized lending dApps on Arbitrum?
The 4 rated uncollateralized lending dApps on Arbitrum average 5.8 out of 10. Of these, 0 score 8 or higher and 0 score below 5.