Crypto & DeFi
The 5 Best Solana Loan Platforms of 2025
May 06, 2025
The 5 Best Solana Loan Platforms of 2025
As Solana cements its position as a leading blockchain for high-speed, low-cost DeFi applications, a new wave of borrowing platforms has emerged to help users unlock liquidity without selling their crypto assets. Whether you’re a retail investor, an active DeFi participant, or a company with SOL holdings, Solana lending platforms offer fast access to capital. Borrowers are able keep their SOL while getting funds for business expenses, other investments, other purchases and much more. For crypto investors who want to use their SOL as collateral for a loan, read below for our ranking of the five best Solana loan platforms this year.
1. Rocko
While we’re admittedly biased, Rocko leads the pack in 2025 as the top Solana loan platform, providing a fast, intuitive way to borrow against SOL as well as other popular crypto assets like BTC and ETH. What sets Rocko apart is its ability to aggregate rates from leading DeFi protocols, such as marginfi, enabling users to compare rates and easily get funds in minutes. Rocko also offers comprehensive loan management tools such as SMS and email alerts to monitor collateral value and interest rates.
Pros:
- Access competitive rates from popular DeFi lending protocols
- Simple-to-use for users of all levels and get funds in minutes
- No monthly minimum payments or restrictive loan terms
- Customizable alerts for monitoring collateral and interest rates
- Non-custodial platform
Cons:
- No fixed-rate loan offerings as of 2025
- No mobile app
2. Marginfi
Marginfi is a great option for DeFi power users, offering deep liquidity and tools to simplify increasing leverage. Marginfi has facilitated 100s of millions of dollars of volume and undergone multiple code audits. They also support a number of SPL tokens.
Pros:
- Advanced tools for leveraged positions
- Large amount of liquidity
- Wide support for Solana-based tokens
Cons:
- May be overwhelming for new or casual users
- Requires a browser wallet to use
3. Kamino
Kamino combines yield optimization with lending, allowing users to borrow against their interest-bearing assets. By automatically compounding yields on collateral while offering competitive loan terms, Kamino is ideal for users who want both liquidity and passive returns and are okay with the risk of the collateral being relent.
Pros:
- Auto-compounding vaults generate yield on deposited collateral
- Supports a variety of SVM-based tokens
- Tools to significantly increase leverage
Cons:
- Not available in the U.S.
- May be difficult to use for those newer to DeFi
4. Arch
Arch offers a hybrid approach to loans, supporting both crypto and non-crypto collateral. A standout feature is the ability to borrow against startup equity, offering unique liquidity options for founders and employees. Arch supports Solana-backed loans using a centralized model with BitGo as the custodian.
Pros:
- Startup equity accepted as collateral
- Easy onboarding for both individuals and institutions
- Transparent borrowing process with no credit checks
Cons:
- Interest rates are generally higher than DeFi options
- Custodial structure may not appeal to those who prefer to keep control of their assets
5. Nexo
Nexo functions as a type of crypto NeoBank, making it a convenient option for users looking for a centralized experience for buying and holding crypto. Nexo’s platform also offers crypto credit lines although generally requires the borrower to hold Nexo tokens in order to get a better rate.
Pros:
- Approval in under 24 hours
- No credit check required
- Receive the loan in stablecoins or to a bank account
Cons:
- In order to get a competitive interest rate, the borrower must hold a significant portion of Nexo tokens
- Centralized custody model so users do not have full control over their collateral
- Not available in the U.S.
Conclusion
Solana’s fast-growing ecosystem now offers a range of powerful loan platforms tailored to different users—from passive yield seekers to advanced DeFi strategists. For those who want the best rates, fast access to liquidity, and full control of their assets, Rocko remains the standout choice in 2025. But whether Solana investors are looking for advanced tools , passive yield , unique collateral options, or centralized convenience, there’s a Solana loan platform out there for everyone.
