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 Fee1.5%
Loan Details
Minimum Loan$5,000
Maximum LoanNegotiable
Max LTV60%
Example Loan Calculation
Based on a $50,000 loan at 7.25% APR over 24 months
Interest-only option
$302
Monthly Payment
$50,000
Payment Due at Maturity
$7,250
Total Interest
Illustrative estimate only. Actual rates, fees, payment schedules, and payoff amounts may vary.
Customer Reviews
1 review
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.
1/17/2026Frequently 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 24 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: April 2026