Refinance your crypto loan with Arch

Refinancing replaces your existing crypto-backed loan with a new one. When you refinance to Arch, your new loan settles the balance with your current lender, your collateral moves into qualified custody at Anchorage Digital, and you continue borrowing on Arch's terms.

Your current loan does need to be paid off, but you don't need to find the money yourself or come up with more collateral. Arch coordinates the payoff with your current lender as part of your refinance.

Standard minimums apply, based on your collateral. Loans start at $5,000 for BTC, ETH, and SOL, $25,000 for XRP, and $250,000 for PAXG and XAUT, with no maximum loan size.

No. Arch loans require no credit check, no income verification, and no hard credit pull, so switching won't affect your credit score. We verify your identity, not your credit.

Arch can refinance eligible crypto-backed loans from other lenders. Book a call and our team will review your current loan, collateral, and payoff process with you.

Timing depends mostly on how quickly your current lender processes the payoff and releases your collateral. Our team keeps you updated at every step.

Our goal is to beat your current interest rate by up to 2%. Loans are subject to eligibility requirements, and rates vary based on loan amount, collateral value, loan-to-value ratios, market conditions, and applicable law. Book a call and our team will walk you through your options before you commit.

Not if your refinance qualifies and closes by November 30, 2026. You already paid an origination fee to open your current loan, so we waive ours on eligible loans refinanced to Arch from another lender with promo code SwitchToArch. The waiver doesn't apply to rollovers or refinances of an existing Arch loan, and other refinancing costs may apply.

Yes. Rates are fixed for the duration of the loan and tiered by loan size.

No. You can pay down or pay off your Arch loan at any time without additional fees.

On a deferred-interest Arch loan, interest accrues each month but is not billed. At maturity you can roll over, and your accrued interest is added to the principal of your new loan as a new term begins. If you pay off instead, your final statement bills the accrued interest along with your remaining principal.

Some lenders require all accrued interest to be paid in full at the end of a term before a loan can roll over, which can mean a large cash payment at maturity. Reviewing how your current lender handles this helps you plan ahead of your maturity date.

No. Eligible loans can be rolled over for a new term of up to 12 months without repaying principal first. Your LTV must be below your asset's rollover threshold, and the new term continues at the prevailing rate at the time of rollover.

Yes. When your collateral appreciates and your LTV drops below the release threshold, you can draw additional cash up to your maximum LTV or release excess collateral.

Your collateral is held by Anchorage Digital, a federally chartered digital asset bank regulated by the OCC, in segregated custody.

Never. Your crypto is never traded, lent out, or used as collateral by Arch.

Anchorage Digital maintains $100M in insurance coverage through Lloyd's of London.

You can refinance loans backed by assets Arch supports as collateral, including Bitcoin (BTC), Ethereum (ETH), Solana (SOL), XRP, PAX Gold (PAXG), and Tether Gold (XAUT). Each asset has its own LTV limits.