Learning Rate Scaling across LoRA Ranks and Transfer to Full Finetuning

Abstract: Low-Rank Adaptation (LoRA) is a standard tool for parameter-efficient finetuning of large models. While it induces a small memory footprint, its training dynamics can be surprisingly complex as they depend on several hyperparameters such as initialization, adapter rank, and learning rate. In particular, it is unclear how the optimal learning rate scales with adapter rank, which forces practitioners to re-tune the learning rate whenever the rank is changed. In this paper, we introduce Maximal-Update Adaptation ($μ$A), a theoretical framework that characterizes how the "optimal" learning rate should scale with model width and adapter rank to produce stable, non-vanishing feature updates under standard configurations. $μ$A is inspired from the Maximal-Update Parametrization ($μ$P) in pretraining. Our analysis leverages techniques from hyperparameter transfer and reveals that the optimal learning rate exhibits different scaling patterns depending on initialization and LoRA scaling factor. Specifically, we identify two regimes: one where the optimal learning rate remains roughly invariant across ranks, and another where it scales inversely with rank. We further identify a configuration that allows learning rate transfer from LoRA to full finetuning, drastically reducing the cost of learning rate tuning for full finetuning. Experiments across language, vision, vision--language, image generation, and reinforcement learning tasks validate our scaling rules and show that learning rates tuned on LoRA transfer reliably to full finetuning.