Looking to borrow crypto without locking up your own? You’re in luck. A handful of platforms now let you get crypto loans without putting up any collateral. Yep, no need to hand over your Bitcoin or Ethereum just to get access to funds. In this article, we’ll walk you through some of the top apps making this possible – and how they work in the real world.
Table of content
Uniswap is mainly known as a decentralized exchange, but it also supports a special type of loan called flash loans through third-party integrations. These flash loans are a way to borrow crypto without putting up any collateral, as long as you repay the loan in the same transaction. It’s a powerful tool mostly used for things like arbitrage or refinancing positions.
Flash loans on Uniswap aren’t something the average user will typically run into directly in the main app, but they’re supported by developers using platforms like DeFi Saver or smart contract tools that plug into the Uniswap liquidity pools. With billions in liquidity and deep integration across DeFi, Uniswap is often the go-to source of funds for these fast, no-collateral loan operations.
If you’re a more advanced user or developer, you can take advantage of this setup to access large amounts of capital temporarily without risking your own crypto as collateral. Just know that it requires some technical understanding and coding to use effectively.
dYdX is a decentralized trading platform focused on perpetual contracts and margin trading. While it’s widely known for advanced trading features like leverage and pro-level order types, it also supports a form of uncollateralized borrowing through its flash loan-like mechanisms built into its trading model. These tools give users short-term access to liquidity during a trade, with the requirement that it is repaid within the same transaction.
The platform is built for speed and scale, offering access to over 200 markets with up to 50x leverage. What makes dYdX unique is how it blends decentralized finance with a professional trading experience, including instant deposits, deep liquidity, and onchain rewards. Although not designed for casual borrowing, users with the technical know-how can use its systems for flash-loan style interactions that don’t require upfront collateral.
dYdX is ideal for traders looking for powerful tools and features while remaining onchain and decentralized. It’s also supported across several networks like Ethereum, Arbitrum, Optimism, and others, making it widely accessible for experienced DeFi users.
Atlendis is a decentralized lending platform that offers flexible crypto loan options to real-world businesses without requiring traditional collateral structures. What sets Atlendis apart is its unique pool-based system, where borrowers get access to a dedicated liquidity pool tailored to their financial profile. This makes borrowing fast, efficient, and less dependent on intermediaries.
The platform is designed with both crypto-savvy users and newcomers in mind. With its Atlendis Flow feature, users can easily manage on/off ramps for digital assets, helping even non-crypto businesses tap into decentralized finance without deep blockchain knowledge. The borrowing process is structured but flexible, allowing approved borrowers to draw funds as needed rather than locking into fixed loan terms.
Atlendis focuses on making the DeFi lending experience accessible and business-friendly. With a focus on transparency and real-world applicability, it’s helping bridge the gap between traditional finance needs and decentralized technology.
Aave is a decentralized liquidity protocol that lets users borrow and lend crypto assets in a non-custodial way. One of its standout features is Flash Loans, which allow you to borrow large amounts of crypto without putting up any collateral, as long as you repay it within the same transaction block. It sounds technical, and it is, but it opens doors to some powerful financial moves for those who know how to use it.
Flash Loans on Aave are ideal for developers who want to create advanced DeFi strategies like arbitrage, collateral swaps, or instant refinancing. They’re not your typical loan – you’re not borrowing for days or weeks, but just for a few seconds within a single blockchain transaction. If everything lines up and the loan is repaid within that block, the transaction succeeds. If not, it gets reversed, and nothing happens.
While Aave’s Flash Loans are more for advanced users or developers, the overall platform also supports more standard borrowing and lending through overcollateralized positions. Whether you’re looking to earn interest or borrow against your crypto, Aave has tools to make that process smooth and transparent.
DeFi Saver is a powerful non-custodial app designed to help you manage, automate, and optimize your DeFi positions with ease. It connects with a range of top DeFi protocols and lets you do things like swap tokens, manage leverage, automate stop-losses, or shift loans between platforms – all in one place and in a few clicks. It’s built with flexibility in mind, so whether you’re a beginner or an experienced DeFi user, you’ll find the tools you need.
One of the standout features of DeFi Saver is its flash loan functionality. This allows you to access uncollateralized loans that are repaid in the same transaction. Flash loans can be used to refinance, switch debt, adjust collateral, or even execute arbitrage strategies without having to put down any collateral upfront. And with automation tools built in, you can set up your position to handle things like take profit or stop loss without constant monitoring.
Beyond that, DeFi Saver acts like a DeFi command center. You can interact with protocols like Aave, Compound, MakerDAO, and Morpho directly from the dashboard. It’s non-custodial, which means you always remain in control of your assets, and it’s been audited for security. If you’re exploring uncollateralized crypto loans via flash loans or just want smarter tools for managing your assets, DeFi Saver is worth checking out.
Ankr is a Web3 infrastructure platform that supports a wide range of blockchain services, including staking, APIs, node hosting, and flash loans. One of the more advanced features it offers is flash loans on the BNB Chain. These loans are uncollateralized, meaning you can borrow crypto without putting up any assets, as long as you repay the full amount plus a small fee within a single transaction.
The flash loan feature on Ankr is developer-focused. You interact with Ankr’s SwapPool using a custom smart contract called flashBorrower. This allows you to borrow assets like BNB, execute custom logic like swaps or arbitrage across DeFi platforms, and return the funds in the same transaction. The fee is just 0.5%, and no collateral account or approval process is needed upfront.
To successfully use Ankr’s flash loans, you need a solid understanding of smart contracts and blockchain development. But for developers who know what they’re doing, it’s a powerful tool that opens up a lot of possibilities, like refinancing debt, rebalancing portfolios, or executing trades across multiple platforms instantly and with zero upfront capital.
Getting access to crypto loans without needing to lock up your assets as collateral might sound too good to be true, but thanks to advancements in DeFi, it’s now possible. From instant credit lines like CoinDepo to developer-friendly flash loan platforms like Aave, DeFi Saver, and Ankr, users have more tools than ever to borrow funds in flexible, creative ways.
Each platform has its strengths. Some are geared toward beginners looking for simple borrowing options, while others cater to developers and advanced users who want to leverage uncollateralized loans for trading, arbitrage, or yield strategies. The key is understanding how each one works and choosing the one that fits your goals and experience level.
