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ARCH LOYALTY BENEFITS

Each funded loan earns you savings on future loans

APPLY NOW

FREE

TO JOIN

EARN

STATUS

SAVE

MONEY

GET REWARDED FOR YOUR LOYALTY

Earn ARCH Loyalty Benefits each time you make an on time payment or when you pay off a loan.

Receive tiered benefits for the following full calendar year, plus the remainder of the year in which you earned it.

MEMBER BENEFITS

EVERY ARCH LOAN BORROWER GETS

2-3 point loan fee

Standard LTV access

$2,500,000 borrowing capacity

MEMBER BENEFITS

EVERY ARCH LOAN BORROWER GETS

BRONZE

BENEFITS

SILVER

BENEFITS

GOLD

BENEFITS

2-3 point loan fee

Standard LTV access

$2,500,000 borrowing capacity

Low 1-2 point loan fee

Higher LTV access

$5,000,000 borrowing capacity

All Bronze benefits

PLUS

Deferred payments on extension fee at loan payoff

$10,000,000 borrowing capacity

All Silver & Bronze benefits

PLUS

Reduced extension fee

Points are paid on the back end for 2nd TD's

Eligible for ARCH Line of Credit

HOW IT WORKS

Unlock higher credit limits, lower loan fees, and other benefits.

TO EARN

BRONZE

TO EARN

SILVER

TO EARN

GOLD

Make 8 payments on time

OR

Pay off 2 loans

OR

Become a HVA Franchisee

Make 16 payments on time

OR

Pay off 4 loans

Make 24 payments on time

OR

Pay off 8 loans

FAQs

What is ARCH Loyalty Benefits and how do I enroll?

ARCH Loyalty Benefits is our premier rewards program to help our borrowers save time and money on future loans. All new borrowers are automatically enrolled in the program in the Member tier.

How do I qualify for each tier?

Each time you make an on time payment or pay off a loan, you will receive credit for that event. To achieve each tier, simply make the qualifying number of on time payments or paid off loans needed.

Once I reach a tier, how do I renew and maintain all benefits?

Once you reach a tier, you achieve that tier for the remainder of the year in which you earn it, plus the next full calendar year. To maintain all benefits of the tier, you must earn at least the same number of on time payments and paid off loans during before your benefits period end.

For example, if you earn Silver tier on September 1, 2018, you maintain all benefits for that tier until December 31, 2019. Between September 1, 2018 to December 31, 2019, if you earn at least the same number of on time payments (16) and paid off loans (4), you will maintain the Silver tier until December 31, 2020.

How do I upgrade?

Your tier and benefits are upgraded as soon as you earn the qualifying number of on time payments and paid off loans.

For example, if you earn Silver Tier on September 1, 2018, you maintain all benefits for that tier until December 31, 2019. By June 1, 2019, you have earned 24 total on time payments or 8 total paid off loans, you will be upgraded to Gold Tier. You will then maintain Gold Tier until December 31, 2020.

Will my tier ever be downgraded?

If by the end of your benefits period, you do not earn at least the same number of on time payments or paid off loans as the tier you are currently in, you will be downgraded 1 tier until you qualify again.

For example, if you earn Silver Tier on September 1, 2018, you maintain all benefits for that tier until December 31, 2019. Between September 1, 2018 to December 31, 2019, if you have not earned at least the same number of on time payments (16) and paid off loans (4), you will downgrade to Bronze Tier.

If any of your loans go into default, you will downgrade to Member Tier immediately.

Is there a lifetime achievement tier?

Not yet. We’re working on it.