Borrow instantly, stay invested.

Get a line of credit based on your brokerage account’s value. There’s no minimum payment or late fees. You’re billed for interest monthly and pay back the principal anytime (provided you continue to meet maintenance requirements).

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Low rates

So you can leverage for less

Competitor effective rates shown per each brokerage’s website December 19, 2024; loan balance determines effective rate. M1 rate as of January 2025.

M1 Fidelity Schwab E*Trade Vanguard 6.40% 11.75% 11% 10.95% 10.50%
M1 Fidelity Schwab E*Trade Vanguard 6.40% 11.75% 11% 10.95% 10.50%

Built into your investing workflow

  • Invest using margin with one tap
  • Increase positions in the market
  • Get liquidity without selling assets
  • Take advantage of timely opportunities
Borrow and buy

Always consider the risks before using Margin.
To learn more, see our margin account risk disclosure.

Your M1 margin HQ

Find margin on the Borrow tab.
From here, you can:

  • Pay off your bill in a few taps
  • Watch your maintenance margin
  • See activity and billing history
  • Withdraw margin as cash
Your margin questions, answered
Go to Help Center

A Margin Loan is a type of secured loan that allows you to borrow against the value of the securities you already own in your M1 Individual Brokerage Account, Joint Brokerage Account, and/or Trust Account. It is an interest-bearing loan that uses your underlying securities (eg. stocks, ETFs) as collateral to act as a flexible line of credit when you need it.

Any M1 client who has $2,000 or more invested in an M1 Individual Brokerage Account, Joint Brokerage Account, or Trust Account is eligible for an M1 Margin Loan. 

All M1 Individual and Joint Brokerage Accounts come with a margin feature by default. Traditional, Roth, and SEP IRAs and Custodial Accounts are not eligible for Margin Loans. Trust Accounts without a Margin and Short Agreement are not eligible for Margin Loans.1  

The portfolio line of credit is automatically available to you the next business day after you meet the eligibility requirements and there is no application process or paperwork needed.2

Always read the associated disclosures for margin lending. M1’s margin base rate is variable and tracks the Federal Funds Rate. When the Federal Funds Rate goes up or down, the M1 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 to buy additional securities in your M1 portfolio, the potential losses in your portfolio will be magnified.  

Learn more about these and other risks in our Margin Disclosure. 

If your account value drops so that your equity value is below our maintenance threshold, M1 will issue a maintenance call. 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. 

Help your portfolio do more for you
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While margin can amplify your gains, it can also magnify your losses and is not suitable for all investors. Please assess your financial circumstances and risk tolerance before trading on margin.

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, may take up to 6 business days in external banks.

Learn the difference between a Margin Loan and a Personal Loan: https://m1.com/margin-loan-vs-personal-loans