Terms at a glance
| Product model | Centralized |
|---|---|
| Advertised rate | 7.25–10.49% · Published APR tiers |
| Rate conditions | 7.25% is the $10M+ quoted tier; 10.49% below $250K. |
| Collateral | BTC, ETH, SOL + more |
| LTV | Up to 60% for BTC |
| Term / structure | 1–12 months |
| Funding | USD / USDC |
| Collateral model | Anchorage; states no rehypothecation |
| Fees | 0.25–1.49% for BTC / ETH / SOL |
Source: Arch Lending documentation. Figures describe the reviewed product, not an offer available to every borrower. See rate-source notes for documented discrepancies.
What to weigh up
Why borrowers consider it
Fixed-term pricing, asset-specific LTV limits and a stated no-rehypothecation custody model.
Tradeoffs and responsibilities
The lowest rate belongs to the largest loan tier. Origination fees reduce cash received, and location restrictions apply.
Common questions about Arch Lending
These answers cover borrowing costs, collateral and repayment. Eligibility and the signed agreement determine the terms of an actual loan.
What is Arch Lending and how does borrowing work?
Arch is worth comparing when you need a conventional loan backed by assets beyond Bitcoin or want to evaluate a lower published APR.
What rate does Arch Lending charge?
The reviewed source shows 7.25–10.49% (published apr tiers). 7.25% is the $10M+ quoted tier; 10.49% below $250K.
Which collateral can I use with Arch Lending?
The documented collateral is BTC, ETH, SOL + more. Up to 60% for BTC. Supported assets and limits must match the specific product and account offer.
Who controls collateral with Arch Lending?
The documented model is: Anchorage; states no rehypothecation. The lowest rate belongs to the largest loan tier. Origination fees reduce cash received, and location restrictions apply.
How long can I borrow and what can I receive?
The documented term or structure is: 1–12 months. Funding is described as USD / USDC. Confirm the repayment asset and schedule before borrowing; a crypto payout may require a separate conversion to pay a fiat expense.
What fees should I include in a Arch Lending quote?
0.25–1.49% for BTC / ETH / SOL. Compare net proceeds and the payoff amount on your planned repayment date. Avoid adding a charge twice if it is already included in APR.
Is Arch cheaper than Ledn?
The reviewed APR tables show lower Arch tiers for several comparable amounts, including below $250,000. Confirm the actual jurisdiction-specific quote, cash received and early-repayment cost. Operating history and reporting should be evaluated separately from price.
Does Ledn have the same no-rehypothecation policy as Arch?
No. Ledn explicitly permits restricted re-posting under its Custodied Loan policy. Arch states that collateral is not rehypothecated. Those descriptions should not be collapsed into one label.
Can I lose collateral when borrowing through Arch Lending?
Yes. Collateral-price declines, interest accrual or failure to meet repayment obligations can lead to collateral sales under the applicable rules. Custody, counterparty, smart-contract and operational risks depend on the product. Keep a repayment and collateral-management plan; no rate or starting LTV makes a loan risk-free.
Sources and further reading
These answers summarize the dated research used throughout this site. They do not reflect hands-on borrowing tests or a live rate feed. Read the methodology.