Arch Lending

Established 2022

Bitcoin-collateralized lending service offering competitive rates for BTC holders who want liquidity without selling. Features no credit checks, segregated cold storage for collateral, and flexible repayment terms.

Interest Rates

APR Range7.25% +

Origination Fee0.25% - 1.49% (by loan size)

Loan Details

Minimum Loan$5,000

Maximum LoanNegotiable

Max LTV60%

Example Loan Calculation

Based on a $50,000 loan at 7.25% APR over 12 months

Interest-only option

$302

Monthly Payment

$50,000

Payment Due at Maturity

$3,625

Total Interest

Illustrative estimate only. Actual rates, fees, payment schedules, and payoff amounts may vary.

Customer Reviews

3 reviews

Anonymous

Excellent

I recently used 21Rates to learn about Bitcoin and Bitcoin options. The platform is easy to navigate, and the educational content is clear and beginner-friendly. The quizzes helped me test my understanding, and I learned useful concepts such as calls, puts, spreads, and risk management. Overall, it is a helpful resource for anyone interested in improving their knowledge of Bitcoin and related financial products.

6/6/2026

Anonymous

My Experience with Arch Lending - Quick Review

I looked into Arch Lending recently, so here’s my take based on what I found and what borrowers usually talk about: What stands out Arch Lending focuses on crypto-backed loans. The main appeal is you can borrow cash or stablecoins against your BTC, ETH, etc., without selling. That means you keep exposure if prices go up, and you avoid a taxable event. Rates and LTVs vary, but they’re generally competitive compared to other CeFi lenders. The process is mostly online, and funding is pretty fast once you move collateral over. Customer support actually responds - which is more than I can say for some platforms. Things to watch Like any crypto loan, the risk is liquidation if collateral value drops. They do have margin calls, so you need to monitor your position or set alerts. Also, since it’s not a traditional bank, it’s not FDIC insured. Your collateral is held by a custodian, so you’re trusting their security setup. Bottom line If you need liquidity and don’t want to sell your Bitco

5/19/2026

Anonymous

Fast and Easy Crypto-backed Loans with Arch Lending

I’ve used Ait a few times for quick crypto-backed loans, and it’s been a great experience. The process is fast, and the terms are clear. Interest rates are competitive, but I wish they offered more flexible repayment options. Overall, a solid choice for liquidity.

1/17/2026

Frequently Asked Questions About Arch Lending

Arch Lending offers Bitcoin-backed loans starting at 7.25% APR. Actual rates depend on loan-to-value ratio, loan amount, and term length.

The minimum loan amount at Arch Lending is $5,000. This allows both small and large borrowers to access Bitcoin-backed lending.

Arch Lending has a risk score of 7.1/10 based on our analysis of custody practices, regulatory compliance, and operational history. Risk Score: 7.1/10. Strengths: no rehypothecation, conservative LTV. Key risks: limited audit transparency.

Arch Lending offers a maximum loan-to-value (LTV) ratio of 60%. This means you can borrow up to 60% of your Bitcoin's current value. Higher LTV means more borrowing power but also higher liquidation risk.

Arch Lending offers loan terms of 1 to 12 months. Interest Only,Principal + Interest

About this analysis

21Rates Editorial TeamBitcoin Financial Research Analysts

Our research team analyzes Bitcoin lending platforms using proprietary risk scoring, rate comparison data, and user reviews. We independently verify lender terms and maintain up-to-date information to help you make informed borrowing decisions.

Last verified: October 2026