Unlock lower borrowing costs: Borrow for as low as 4.40%

Lock in your discounted margin rate by December 10, 2025

Right now, M1 clients have the opportunity to reduce their margin borrowing costs for the full year ahead. For a limited time, you can secure a 1.50% discount below our standard margin rate for 12 months—and you don’t need to carry a balance to qualify. If you’re eligible for the promotion, simply opt in within the app by December 10, 2025, and the discounted rate is yours if and when you borrow during the promotional period. 

Whether you’re looking to add liquidity without selling positions, increase your purchasing power, or simply want the flexibility that margin can provide, this promotion puts more of your money to work for you. Here’s what you need to know about margin at M1 and how the promotion works. 

What margin can do for you  

Margin lets eligible investors borrow against the value of marginable securities in their brokerage account. Your investments serve as collateral, giving you access to funds without liquidating positions. This flexibility can be valuable in a range of situations. 

Short-term liquidity: Many investors use margin to bridge short-term cash flow needs—to cover an unexpected expense, make a down payment, or manage timing gaps between income and outlays. Margin can also provide a source of liquidity for major purchases or projects while keeping your investments fully deployed in the market. 

Investment opportunities: Others may use margin to take advantage of timely opportunities without disrupting their existing portfolio or triggering taxable events from selling positions. Some experienced investors use margin strategically to increase their market exposure, though this approach amplifies both potential gains and potential losses.  

Whether you’re looking for occasional flexibility or a more active tool in your financial toolkit, margin offers a way to put the value of your portfolio to work beyond the securities themselves. It’s a powerful tool when used strategically, but you’ll want to understand both the benefits and the risks before you use it.  

Margin at M1  

At M1, margin access is straightforward. Most taxable brokerage accounts with over $2,000 in marginable securities are eligible for margin—no separate application, no extra paperwork, and no separate margin account required. It’s already built in.

No balance-based tiers  

Unlike some brokerages that charge different rates based on how much you borrow, M1 keeps it straightforward. You get one margin rate regardless of your balance—whether you borrow $500 or $50,000. There are no balance-based tiers or thresholds to reach better rates. Every eligible client receives the same standard rate, and with this promotion, every participant receives the same 1.50% discount. It’s that simple. 

Once eligible, you’ll see your borrowing limit based on a percentage of the value of eligible, marginable assets in your account. When you borrow, interest accrues daily at the applicable margin rate and is charged to your account. Remember, rates can vary and may change over time. You’re responsible for repaying the loan and any interest regardless of how your investments perform.  

Maintenance requirements  

Your account must stay above maintenance requirements set by regulation and by M1. If equity falls below that threshold—which can happen when markets move quickly—you may receive a margin call. To meet the margin call, you’re required to deposit cash or sell securities. If you don’t meet a call, positions may be liquidated without prior notice. Keep in mind, not all securities are marginable, and concentrated or illiquid holdings can increase the risk of calls or liquidations. 

See the difference a lower rate makes 

To show how the margin discount can reduce your borrowing costs, consider this example based on current rates. M1’s margin rate as of 11/04/25 is 5.90%. With the promotion, your rate drops to 4.40% for 12 months. If you borrowed $10,000 for 30 days, interest at 5.90% would cost about $48.49 for that period, while interest at 4.40% would cost about $36.16—a meaningful difference that adds up over time. Rates are subject to change. Your actual cost depends on your daily balance, the rate in effect each day, how long you borrow, and whether the standard rate changes. 

Use margin strategically 

Margin is a tool best used thoughtfully and conservatively. It’s not suited for all investors. Keep these details in mind if you decide to use margin:  

• Make sure to borrow within your comfort zone and maintain a buffer above maintenance requirements to reduce the chance of a margin call 
• Monitor your account regularly, understand how interest accrues and is billed, and have a clear repayment plan.  
• Read the Margin Agreement, pricing disclosures, and promotional terms carefully. 
• Margin interest may be tax-deductible for some investors under IRS rules; consult a tax professional to understand your situation. If you’re unsure whether margin aligns with your goals and risk tolerance, consider speaking with a financial professional. 

Don’t miss this opportunity 

This limited-time promotion gives you the chance to lower your borrowing costs for a full year—you don’t need to carry a margin balance right now to qualify. If you’re considering using margin in your financial strategy for the year ahead, now is the time to act.

Ready to secure your discounted margin rate?

Opt in by December 10, 2025 to lock in a 1.50% discount below the standard margin rate for 12 months.  

Rates are subject to change. Individual and joint brokerage accounts with over $2,000 in eligible securities qualify to borrow on margin. Promo eligibility is open. Promotional terms and conditions apply, see details.

Important disclosures: Borrowing on margin involves risk and is not appropriate for all investors. You can lose more than your initial investment. You are responsible for repaying your margin loan, including interest, regardless of your investment performance. Margin availability, collateral and maintenance requirements, and rates are subject to change at any time; additional restrictions may apply. The firm may liquidate positions without prior notice to meet margin requirements. Any examples are hypothetical and provided for informational purposes only. This communication does not constitute investment, legal, or tax advice. For current margin rates, eligibility criteria, and the full promotional terms and conditions, visit our website and review the Margin Agreement and disclosures. 

Brokerage products and services are offered by M1 Finance LLC, Member FINRA/SIPC. Investing involves risk, including the risk of loss. Margin accounts are subject to approval.