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Loan Terms

Loan Terms

A guide to crypto backed loan terms at Arch

4 articles

What are the loan terms with Arch?
What are the interest rates and APRs for Arch Loans?
What are the terms for PAX Gold (PAXG)-backed loans?
What are the terms for Tether Gold (XAUT)-backed loans?

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ChainFi, Inc (dba “Arch Lending” and referred to as “Arch” on this website) is not a bank.

Loan Services. Crypto backed loans (“Loans”) are offered to U.S. borrowers by ChainFi, Inc. NMLS #2637200. NMLS Consumer Access.

Loan Availability. Loan availability may vary based on jurisdiction. Loans are currently not available to U.S. residents of CA, DE, HI, MD, MS, MT, NV, ND, RI, SC, or VT or to U.S. businesses in CA, DC, HI, MD, MT, NM, ND, RI, or VT. We encourage you to contact us to determine if our loans are available in your state.

Loan Agreement. Loans are issued pursuant to a loan agreement between Arch and you. This legally binding document outlines your rights, obligations, interest rates, repayment schedules, potential fees, default consequences, and any other terms and conditions related to your loan. Your loan agreement may contain state-specific provisions. By signing the loan agreement, you acknowledge your acceptance of these terms, so please ensure you understand every aspect before proceeding.

Interest Rates. Annual interest rates are subject to change and may vary based on loan type, the principal amount requested, and the borrower’s jurisdiction of residence.

Supported Assets. For the latest list of supported assets, refer to our Help Center.

No Financial, Investment or Tax Advice Provided. The information on this website, articles, guides, tools, or communications, is for general informational purposes only. It is not, and should not be construed as, financial, investment, tax, or other professional advice. Arch is not a financial advisor, investment advisor, broker, tax advisor, or accounting firm. We do not provide personalized advice or recommendations for your unique financial situation or goals. You should consult a qualified professional before making any financial, investment or tax decisions. Any examples, hypothetical scenarios, calculator results, or general discussions of financial or tax concepts are for illustration only and don’t guarantee specific outcomes or apply to your personal circumstances. By using this website, you acknowledge you are solely responsible for your financial decisions and will seek independent professional advice as needed.

No Guarantee of Offers, Loans, or Returns. Your use or access to this website or platform does not guarantee the availability of any current and/or future offer, promotion, terms, loan, or return. All offers, promotions, terms, and loans are subject to availability and the sole discretion of Arch. We reserve the right to modify or withdraw any offering at any time without prior notice.

State-Specific Disclosures. Additional state-specific disclaimers may apply depending on your location. We encourage you to review all relevant disclaimers and terms carefully before proceeding.

*State of Idaho Disclaimer: In Idaho, ChainFi, Inc is doing business as Arch Lending and does not conduct activity under the name Arch (License Number: RRL-11362).

Michigan: ChainFi, Inc (dba Arch Lending) holds a Michigan Regulatory Loan License
License Number: RL-0026469
Effective Date: February 28, 2025
Regulator: Michigan Department of Insurance and Financial Services
Address: 530 W Allegan St. 7th Floor, Lansing, MI 48933
Phone Number: 517-284-8800 or 877-999-6442 (Toll-Free)

ChainFi, Inc (dba “Arch Lending”), 595 Broadway, Floor 4, New York, NY 10012.

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For general questions, visit our Help Center or use the Intercom chat widget in the bottom right corner of any screen.

For customer service or complaints, email us at [email protected], or call us toll-free: +1 877 665 4759 between Monday-Friday from 9am-7pm ET and Saturday-Sunday from 10am-5pm ET.