Head-to-Head
Every metric that matters, side by side.
Select two lenders. We compare safety, APR, custody, fees, and 8 more factors — so you choose with data, not marketing.
VS
Unchained
Est. 2016
9.0
VS
7.0
Arch Lending
Est. 2022
UnchainedArch Lending
9.0
7.0
Higher safety score (9.02 vs 7.03)
9.0
Safety Score
Higher safety score (9.02 vs 7.03)
7.0
Safety Score
Higher safety score (9.02 vs 7.03)
9.0
Higher safety score (9.02 vs 7.03)
7.0
Lower minimum APR (7.25–10.49% vs 14.18%)
14.18%
APR Range
Lower minimum APR (7.25–10.49% vs 14.18%)
7.25–10.49%
APR Range
Lower minimum APR (7.25–10.49% vs 14.18%)
14.18%
Lower minimum APR (7.25–10.49% vs 14.18%)
7.25–10.49%
Higher maximum LTV (60% vs 50%)
50%
Max LTV
Higher maximum LTV (60% vs 50%)
60%
Max LTV
Higher maximum LTV (60% vs 50%)
50%
Higher maximum LTV (60% vs 50%)
60%
—
Compare loan amounts based on your needs
Min $150,000
Max Unlimited
Max Unlimited
Loan Amount Range
—
Compare loan amounts based on your needs
Min $5,000
Max Unlimited
Max Unlimited
Loan Amount Range
—
UnchainedCompare loan amounts based on your needs
Min $150,000
Max Unlimited
Max Unlimited
—
Arch LendingCompare loan amounts based on your needs
Min $5,000
Max Unlimited
Max Unlimited
Lower origination fee
2%
Origination Fee
Lower origination fee
1%
Origination Fee
Lower origination fee
2%
Lower origination fee
1%
Faster funding speed
3–5 days
Funding Speed
Faster funding speed
1–3 days
Funding Speed
Faster funding speed
3–5 days
Faster funding speed
1–3 days
Multi-Sig > Custodial
Multi-Sig
Custody Model
Multi-Sig > Custodial
Custodial
Custody Model
Multi-Sig > Custodial
Multi-Sig
Multi-Sig > Custodial
Custodial
—
Both have the same rehypothecation policy
No Rehypothecation
Rehypothecation Policy
—
Both have the same rehypothecation policy
No Rehypothecation
Rehypothecation Policy
—
UnchainedBoth have the same rehypothecation policy
No Rehypothecation
—
Arch LendingBoth have the same rehypothecation policy
No Rehypothecation
Published via Self-verifiable on-chain (collaborative multisig — you hold keys)
Published
via Self-verifiable on-chain (collaborative multisig — you hold keys)
via Self-verifiable on-chain (collaborative multisig — you hold keys)
Reserve Transparency
Published via Self-verifiable on-chain (collaborative multisig — you hold keys)
Not published
Reserve Transparency
Published via Self-verifiable on-chain (collaborative multisig — you hold keys)
Published
via Self-verifiable on-chain (collaborative multisig — you hold keys)
via Self-verifiable on-chain (collaborative multisig — you hold keys)
Published via Self-verifiable on-chain (collaborative multisig — you hold keys)
Not published
licensed is a stronger regulatory status
Licensed
Regulatory Status
licensed is a stronger regulatory status
Registered
Regulatory Status
licensed is a stronger regulatory status
Licensed
licensed is a stronger regulatory status
Registered
Fewer excluded states (0 vs 15)
All 50 states
US State Availability
Fewer excluded states (0 vs 15)
35 states
Excluded: 15
Excluded: 15
US State Availability
Fewer excluded states (0 vs 15)
All 50 states
Fewer excluded states (0 vs 15)
35 states
Excluded: 15
Excluded: 15
Longer track record (10 yrs vs 4 yrs)
10 yrs
Est. 2016
Est. 2016
Track Record
Longer track record (10 yrs vs 4 yrs)
4 yrs
Est. 2022
Est. 2022
Track Record
Longer track record (10 yrs vs 4 yrs)
10 yrs
Est. 2016
Est. 2016
Longer track record (10 yrs vs 4 yrs)
4 yrs
Est. 2022
Est. 2022
Bottom line
Evenly matched
Both platforms win the same number of categories
6
Unchained wins
2
Tied
4
Arch Lending wins
Score breakdown
Unchained: 6 categories2 tiesArch Lending: 4 categories
Rates and terms are checked on a recurring cadence but may change. Always confirm directly with the lender before applying.