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25 Verified Lending Platforms

Ethereum Lending Rates

Compare the best ETH lending rates from top platforms. Earn competitive APY on your Ethereum with flexible or fixed-term lending options.

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#1

HEXN

Lending
15.00% ETH APY
Lockup: 30-365 days
Fees: Yes, for early withdrawls
Coins: BTC, ETH, USD
#2

CoinDepo

Lending
12.00% ETH APY
Lockup: None
Fees: None
Coins: BTC, ETH, USD
#3

Clave

Lending
9.75% ETH APY
Lockup: None
Fees: None
Coins: ETH, USD

Nexo

Loans
5.00% ETH APY
Lockup: None or 1 month
Fees: Limited free withdrawls per month
Coins: BTC, ETH, USD

EarnPark

Lending
4.00% ETH APY
Lockup: None
Fees: Yes (network fees)
Coins: BTC, ETH, USD

Nebeus

Staking
3.50% ETH APY
Lockup: 1-4 months
Fees: None
Coins: BTC, ETH, USD

Zengo

Wallet
3.18% ETH APY
Lockup: Flexible
Fees: None
Coins: ETH

Tuyo

Lending
3.13% ETH APY
Lockup: Flexible
Fees: None
Coins: BTC, ETH, USD

Cryptomus

Exchange
3.00% ETH APY
Lockup: 30-365 days
Fees: None
Coins: ETH, USD

Gemini

Exchange
3.00% ETH APY
Lockup: None
Fees: Yes
Coins: ETH, SOL

OneKey Earn

Lending
2.93% ETH APY
Lockup: Varies
Fees: Varies
Coins: ETH, SOL

Robinhood

Staking
2.80% ETH APY
Lockup: Requires unstaking (unbonding)
Fees: Varies (gas fees + 15% staking commission fee)
Coins: ETH, SOL

Bitvavo

Exchange
2.50% ETH APY
Lockup: None
Fees: Varies
Coins: BTC, ETH, SOL

Coinmetro

Exchange
2.40% ETH APY
Lockup: 3, 6, 12, or 24 months
Fees: Yes
Coins: BTC, ETH

Kraken

Exchange
2.25% ETH APY
Lockup: Flexible
Fees: Yes
Coins: BTC, ETH, USD

Binance US

Exchange
2.10% ETH APY
Lockup: Flexible
Fees: None
Coins: ETH, SOL

Bitcoin IRA

Staking
2.00% ETH APY
Lockup: None
Fees: Yes
Coins: BTC, ETH, SOL

Coinbase

Exchange
1.89% ETH APY
Lockup: None
Fees: Yes
Coins: ETH, USD, SOL

Krak

Staking
1.60% ETH APY
Lockup: None
Fees: None
Coins: BTC, ETH, USD

Phemex

Exchange
1.50% ETH APY
Lockup: Flexible
Fees: None
Coins: BTC, ETH, USD

Bitfinex

Exchange
1.45% ETH APY
Lockup: Flexible
Fees: Yes
Coins: BTC, ETH, SOL

CoinRabbit

Loans
1.20% ETH APY
Lockup: None
Fees: No
Coins: BTC, ETH, USD

WhiteBIT

Exchange
0.23% ETH APY
Lockup: 10-360 days
Fees: None
Coins: BTC, ETH, USD

Crypto.com

Lending
0.20% ETH APY
Lockup: None (flexible), 1 month, 3 months
Fees: Yes
Coins: BTC, ETH, USD

Backpack

Exchange
0.04% ETH APY
Lockup: Unbonding period applies
Fees: None
Coins: BTC, ETH, SOL

How Ethereum Lending Works

1. Deposit ETH

Transfer your Ethereum to a lending platform.

2. Earn Interest

Borrowers pay interest to access your ETH. You earn APY.

3. Withdraw

Most platforms offer flexible terms. Withdraw your ETH plus earnings depending on terms.

Checklist: How to Choose a ETH Lending Platform

  • Compare ETH Lending Rates Look for the highest APY on Ethereum lending. Rates vary between platforms and how yield is earned.
  • Check Security & Audits Only use audited platforms with proven track records. Look for insurance coverage on your ETH deposits.
  • Understand Lockup Terms Flexible lending allows instant withdrawals. Fixed-term lending locks your ETH for higher APY but less liquidity.

Frequently Asked Questions About Ethereum Lending

What is Ethereum lending?
Ethereum lending is the process of depositing your ETH into a platform or protocol that lends it to borrowers. In return, you earn interest (APY) on your deposited Ethereum.
What are the best ETH lending rates in 2026?
The best ETH lending rates in 2026 vary by platform and market conditions. Top platforms listed above offer competitive APY ranging from 3-12% depending on whether you choose flexible or fixed-term lending. DeFi protocols often offer higher rates but with more complexity, while CeFi platforms provide easier access with slightly lower returns.
Is Ethereum lending safe?
Ethereum lending carries risks, including smart contract vulnerabilities (DeFi), platform insolvency (CeFi), and market volatility. To minimize risk: only use audited platforms, diversify across multiple lenders, start with small amounts, and look for platforms with insurance coverage. Never lend more ETH than you can afford to lose.
How do I start lending ETH?
To start lending ETH: 1) Choose a lending platform from the comparison above, 2) Create an account and complete KYC (if required), 3) Transfer your Ethereum to the platform, 4) Select your lending terms (flexible or fixed), 5) Deposit your ETH and start earning interest automatically. Most platforms compound your earnings daily.

Disclaimer: Ethereum lending rates are variable and subject to change. APY is not guaranteed. Always do your own research (DYOR) and never lend more than you can afford to lose. Cryptocurrency lending carries significant risks.