Is there an Arch promo code or discount code?

No — there is no promo code or discount code to enter. The discount is applied automatically by Arch when you start your loan through the Borrow/On/Bitcoin link. If you go to Arch directly, or search for a coupon code elsewhere, the standard rate applies.

How do I get the lowest Arch rate?

Two things set your rate at Arch: the tier your loan size falls into, and whether the partner discount applies. Arch prices larger loans lower, and the discount comes off whichever tier you land in, so the lowest available rate is the largest tier you qualify for combined with starting through the Borrow/On/Bitcoin link. The table above shows the rate at each size, with and without the discount, so you can see what your own loan would be quoted.

Does the Arch discount stack with tiered rates?

Yes. Arch prices by loan size, and the discount is applied to whichever tier your loan falls in, so a larger loan gets both the lower tier rate and the discount. The table above shows the effect at each size.

Arch Discount: −0.50% APR Exclusive Rate

By Steven Han and Michael Song

Yes — an exclusive Arch discount exists: up to 0.50 percentage points off Arch's standard APR, extended by Arch to Borrow/On/Bitcoin readers and applied automatically when a loan is started through our link. It applies to every APR Arch quotes, not one loan size: as of September 2026, Arch's 8.24%–10.49% range becomes 7.74%–9.99% for loans from $50k to $2M at 50% LTV.

Rates verified September 12, 2026 from Arch’s primary sources.

Arch standard vs. discounted APR by loan size

At 50% LTV. The discount applies to whichever tier the loan falls in.

Loan size	Standard APR	With discount	You save
$50k	10.49%	9.99%	0.50 pts
$100k	10.49%	9.99%	0.50 pts
$250k	9.99%	9.49%	0.50 pts
$500k	9.99%	9.49%	0.50 pts
$1M	8.99%	8.49%	0.50 pts
$2M	8.24%	7.74%	0.50 pts

How the Arch discount works

Start your loan application through the Borrow/On/Bitcoin link below. There is no code to enter.
Arch identifies the referral and applies the reduced rate to your loan automatically.
The discount applies to your tier’s rate, so it compounds with Arch’s size-based pricing rather than replacing it.

Start a Arch loan with the discount applied

Questions

Is there an Arch promo code or discount code?: No — there is no promo code or discount code to enter. The discount is applied automatically by Arch when you start your loan through the Borrow/On/Bitcoin link. If you go to Arch directly, or search for a coupon code elsewhere, the standard rate applies.
How do I get the lowest Arch rate?: Two things set your rate at Arch: the tier your loan size falls into, and whether the partner discount applies. Arch prices larger loans lower, and the discount comes off whichever tier you land in, so the lowest available rate is the largest tier you qualify for combined with starting through the Borrow/On/Bitcoin link. The table above shows the rate at each size, with and without the discount, so you can see what your own loan would be quoted.
Does the Arch discount stack with tiered rates?: Yes. Arch prices by loan size, and the discount is applied to whichever tier your loan falls in, so a larger loan gets both the lower tier rate and the discount. The table above shows the effect at each size.
Is this Arch's public referral program?: No — it is a distinct, partner-exclusive arrangement, not the public referral offer. This rate is negotiated exclusively for Borrow on Bitcoin readers. It is 0.50% below Arch's standard rate, applied automatically by Arch when you start your loan through our link. Estimated effective APR; rate and terms are set by Arch. Borrow on Bitcoin is a comparison publisher, not a broker or lender.

Disclosure

This rate is negotiated exclusively for Borrow on Bitcoin readers. It is 0.50% below Arch's standard rate, applied automatically by Arch when you start your loan through our link. Estimated effective APR; rate and terms are set by Arch. Borrow on Bitcoin is a comparison publisher, not a broker or lender.

Borrow/On/Bitcoin earns an affiliate commission when a reader starts a loan through our link. This is a marketing arrangement with the lender, not brokering: we do not negotiate, arrange, grant, or advise on any individual’s loan, and the rate and all terms are set and applied by Arch. Partner discounts are deliberately not applied to the BoB Bitcoin Loan Rate Indexor any market-snapshot data endpoint, which track each lender’s standard published rate.