Arch (Deferred) Review: 2026 Bitcoin Loan Comparison
Rate data verified July 28, 2026 · Verified daily
Up to 0.50% below Arch (Deferred)’s standard rate — applied automatically when you start your loan here. No code needed.
Bitcoin-backed loan with Anchorage Digital qualified custody, segregated wallets, $100M Lloyd's of London insurance, and explicit no-rehypothecation policy. The Deferred Interest variant (launched May 2026) carries no monthly payments, interest accrues to maturity or rolls into the next loan.
Your Arch (Deferred) rate
BTC $63,768 · liveEstimate only, at BTC $63,768. Effective APR spreads Arch (Deferred)’s 1.49% origination fee over 1 year. No credit pull · Confirm live terms with Arch (Deferred).
What you pay, by loan size
| Loan size | Arch (Deferred) standard | Your rate via BoB |
|---|---|---|
| Under $250,000 | 11.0% | 10.5% |
| $250,000 – $750,000 | 10.5% | 9.99% |
| $750,000 – $2,000,000 | 9.49% | 8.99% |
| $2,000,000 – $5,000,000 | 8.74% | 8.24% |
| $5,000,000 – $10,000,000 | 8.24% | 7.74% |
| $10,000,000 and above | 8.00% | 7.50% |
Key facts
- No monthly payments, interest accrues to maturity
- Option to roll accrued interest into a new loan's principal at renewal
- Anchorage Digital qualified custody
- $100M Lloyd's of London insurance
- Zero rehypothecation, explicit policy
- Segregated wallets
- Multi-collateral: BTC, ETH, SOL
Refinancing
You can roll over or refinance from the dashboard at the end of your term, or any time without a prepayment penalty, at the prevailing rate. The origination fee (0.25%–1.49%, tiered by size) applies again on each new loan.
How Arch (Deferred) compares at $100K
| Lender | APR | Max LTV | Rehypothecation | Cure window |
|---|---|---|---|---|
| Arch (Deferred) | 10.99% | 60% | No | Yes |
| Arch (Standard) | 10.49% | 60% | No | Yes |
| SALT | 8.75% | 70% | No | Yes |
| Ledn | 11.49% | 50% | No | None stated |
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Arch (Deferred) articles & comparisons
Head-to-head comparisons
Key risks
- Interest is deferred and settles as a lump sum at maturity, or can be rolled into a new loan; because it accrues over the full term, total interest can run higher than the Monthly Payment product
- Uses the same bitcoin price-driven margin-call mechanics as the Monthly Payment product
Frequently asked
Is Arch (Deferred) safe to borrow against Bitcoin?
Arch (Deferred) is operating since 2023. Your collateral is handled via qualified third-party custodian. Arch (Deferred) does not rehypothecate your Bitcoin. Insurance coverage: $100M Lloyd's of London (via Anchorage). As with any Bitcoin-backed loan, review the custody model, liquidation thresholds, and loan terms carefully before borrowing.
What rates does Arch (Deferred) charge?
Arch (Deferred) charges 8%–10.99% APR. Deferred Interest product (no monthly payments; interest accrues and settles at maturity, or rolls into a new loan's principal at renewal). APR is all-in (interest + origination), tiered by loan size: <$250K 10.99% (9.5%+1.49%) · $250K-750K 10.49% (9%+1.49%) · $750K-2M 9.49% (8.5%+0.99%) · $2M-5M 8.74% (8.25%+0.49%) · $5M-10M 8.24% (7.75%+0.49%) · $10M+ 8.00% (7.75%+0.25%). ~50bps premium over the Monthly Payment product (Arch Standard). 60% max LTV. Custody: Anchorage Digital, no rehypothecation. Source: archlending.com authenticated loan flow, verified 2026-07-05. There is a 1.49% origination fee.
Does Arch (Deferred) rehypothecate my Bitcoin?
No, Arch (Deferred) does not rehypothecate your Bitcoin. Your collateral is held via qualified third-party custodian and is not re-lent to other parties.
What states does Arch (Deferred) serve?
Arch (Deferred) is available in Most states (not CA, DE, HI, MS, MT, NV, ND, RI, SC, TX, VT). Not available in: CA, DE, HI, MS, MT, NV, ND, RI, SC, TX, VT Always confirm current availability directly with Arch (Deferred) before applying, as state coverage can change.
How fast does Arch (Deferred) fund loans?
Arch (Deferred) typically funds within Instant. Loan terms: 1 to 12 months; deferred interest; settle at maturity or roll accrued interest into a new loan's principal. Actual timing may vary based on verification requirements and your specific situation.
What fees does Arch (Deferred) charge?
Known fees include: a 1.49% origination fee; a 2% liquidation fee if collateral is sold; 1.49% origination fee + 2.00% liquidation fee (origination fee tiered down at higher loan sizes); No prepayment penalty. Accrued interest can be settled at any time without penalty.. Always request a full fee disclosure from Arch (Deferred) before signing any loan agreement.
How does Arch (Deferred) compare to other Bitcoin loan lenders?
To see Arch (Deferred) side-by-side with every other major Bitcoin loan lender, rates, custody model, LTV, and more, use the free comparison tool at borrowonbitcoin.com. You can sort by APR, LTV, funding speed, or custody model and filter to your state.
Bitcoin loans by state
Which lenders operate where, plus the sell-vs-borrow tax angle for your state: