M1 Margin Loans

Borrow from just 6.50% to 8.00%1

Borrow against your investments without the extra paperwork at some of the lowest rates on the market. To learn more about the risks of margin, please review our margin account risk disclosure.

Borrow screen shown in a phone mockup
Borrow screen shown in a phone mock up

Your money, when you need it

M1 Margin Loans are portfolio lines of credit on your qualifying Brokerage Accounts. Borrow up to 40% of an account’s value for as low as 6.50%1 with M1 Plus.

Some of the lowest rates1

Access funds in minutes2

Flexible repayment

How does M1 compare? 

M1 Margin Loan interest rates are some of the lowest in the market. 

$5K
M1 Logo
6.50% –8.00%
E*Trade
13.45%
Fidelity
12.575%
Charles Schwab
12.575%
TD Ameritrade
13.75%
$50K
M1 Logo
6.50% –8.00%
E*Trade
12.45%
Fidelity
11.125%
Charles Schwab
11.125%
TD Ameritrade
12.25%
$100K
M1 Logo
6.50% –8.00%
E*Trade
11.95%
Fidelity
11.075%
Charles Schwab
11.075%
TD Ameritrade
12.00%

M1 Plus margin rate is subject to a paid annual subscription. Learn about M1 Plus.  
M1 rates are current as of December 2022. Information on competing brokerages was accessed from each brokerage’s website in December 2022. 

Our philosophy for long-term investing

Stay invested and pay for what you need.
Tap into M1 Margin Loan’s flexible line of credit for things like:

Increasing your buying power to make timely investments

Getting liquidity without selling your investments  

Paying for other expenses whether large or unplanned

Your Margin Loan questions,
answered

Go to M1’s Help Center

Automated payback schedules, and M1 Plus Smart Transfers, can help you pay back your principal.

Learn more

If your account value drops so that your equity value is below our maintenance threshold, M1 will issue a maintenance call. The maintenance threshold is normally 40% of your account value but M1 may impose additional restrictions based on risk of securities held or portfolio concentration.

When a maintenance call is issued for your account, you will either need to deposit additional cash or sell a portion of your portfolio to resolve the maintenance call.

Learn more

Unlike some companies, M1 charges no management fees. There are some miscellaneous fees for some services, which you can find here.

M1 Finance gives you flexibility with how you manage your money, but here are some things to keep in mind when taking out a loan with M1 Borrow.

  • The M1 Borrow base rate is variable and tracks the Federal Funds Rate. When the Federal Funds Rate goes up or down, the M1 Borrow base rate will follow.
  • If your portfolio value declines, your account can trigger a maintenance call and we may need to sell a portion of your portfolio to cover the loan.
  • If you use proceeds from an M1 Borrow loan to buy additional securities in your M1 Finance portfolio, the potential losses in your portfolio will be magnified. Learn more about these and other risks in our Margin Disclosure.

Glad you ask. Get the big picture here.

Total control, total automation for
your wealth today and tomorrow

Three phones in a row each displaying different dashboards from the M1 app.

1 M1 Margin Loans are available on margin accounts with at least $2,000 invested per account. Not all securities are available for M1 Margin Loans and the amount that may be borrowed against a security is subject to change without notice. Available margin amount(s) of M1 Margin Loans may require greater than $2,000 per Brokerage Account. Not available for Retirement and Custodial accounts. Margin rates may vary.

2 Funds available in minutes in M1 Spend or M1 Invest accounts, available in 1-2 business days in external banks.