crypto.loans

Arch Lending BTCloan: rates, LTV & how to borrow

Can I borrow against BTC on Arch Lending?
Yes — you can borrow against Bitcoin (BTC) on Arch Lending at 7.25–10.49% APR with up to 60% LTV, on a third-party basis with KYC.
Borrow on Arch Lending

Arch Lending accepts Bitcoin (BTC) as loan collateral. Bitcoin is the largest cryptocurrency by market cap and the most widely accepted collateral for crypto-backed loans. On Arch Lending you can borrow USD, USDC against your BTC at 7.25–10.49% APR, up to a maximum loan-to-value of 60%, on a third-party basis.

To borrow against BTC on Arch Lending you open an account, complete identity verification, deposit your BTC as collateral, and draw a loan. Arch Lending uses a third-party model, so consider how it secures collateral before committing a large BTC position.

Bitcoin's price volatility is the main driver of liquidation risk on a Arch Lending loan, which is why the 60% maximum LTV exists. Borrowing well below it — and adding collateral or repaying when BTC falls — keeps your position out of the liquidation zone. Arch Lending sources its rates on a verified, manually-tracked basis.

How to borrow against BTC on Arch Lending

  1. 1Create a Arch Lending account and complete identity verification (KYC).
  2. 2Deposit your Bitcoin (BTC) as collateral.
  3. 3Choose your loan amount up to 60% LTV and receive USD, USDC.
  4. 4Repay under Arch Lending's terms to reclaim your BTC. Add collateral or repay early if BTC falls toward the liquidation level.

How Arch Lending compares for BTC

13 platforms in our index accept BTC as collateral. On borrow rate, Arch Lending ranks 7th of 13, behind Crypto.com's 1–8%. The table below puts Arch Lending next to its closest BTC alternatives so you can weigh rate against custody and LTV.

Crypto.comCeFi
Borrow APR
1–8%
Max LTV
50%
KYC
Required
Custody
In-house
Apply
NexoCeFi
Borrow APR
1.9–18.9%
Max LTV
50%
KYC
Required
Custody
Third-party
Apply
AaveDeFi
Borrow APR
4–8%
Max LTV
80%
KYC
No KYC
Custody
Self-custody
Apply
Arch LendingCeFi
Borrow APR
7.25–10.49%
Max LTV
60%
KYC
Required
Custody
Third-party
Apply

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Frequently asked questions

Can I borrow against BTC on Arch Lending?
Yes. Arch Lending accepts Bitcoin (BTC) as collateral, letting you borrow USD, USDC against it at 7.25–10.49% APR, up to 60% loan-to-value.
What is the interest rate for a Arch Lending BTC loan?
Arch Lending's borrow APR is 7.25–10.49%. Confirm the current rate on the platform before borrowing, as terms can change.
Does borrowing against BTC on Arch Lending require KYC?
Yes. Arch Lending requires identity verification to borrow against BTC.
What happens if my BTC collateral drops in value?
If your BTC falls far enough that your loan-to-value crosses Arch Lending's liquidation threshold, part of your collateral can be sold to repay the loan. Keep a buffer below the 60% maximum LTV to reduce that risk.

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