M1 MARGIN LOANS
Get liquidity for less
Borrow up to 50% of your portfolio’s value.
6.25%
11.575%
Fidelity
11%
Schwab
10.50%
Vanguard
10.95%
E*Trade
Competitor effective rates shown per each brokerage’s website December 2024; loan balance determines effective rate. M1 rates are current as of December 2024. Always consider the risks before using Margin. To learn more, see our margin account risk disclosure.
Margin gives you a line of credit based on your brokerage account’s value. Unlike a credit card, it’s secured by investments in your portfolio. There’s no minimum payment or late fees. You’re billed for interest monthly—you can pay back the principal when you please (provided you continue to meet maintenance requirements).
Borrow instantly.
Stay invested.
M1 Margin rate:
6.25%
Average
credit card APR:
24.92%*
as of September 2024
vs
Average
HELOC rate:
9.26%**
as of September 2024
Margin gives you a line of credit based on your brokerage account’s value. Unlike a credit card, it’s secured by investments in your portfolio. There’s no minimum payment or late fees. You’re billed for interest monthly—you can pay back the principal when you please (provided you continue to meet maintenance requirements).
Flexible funds to spend or invest
Skip the paperwork and borrow in a few taps. You can withdraw your margin loan as cash to use for almost anything. Or you can leverage margin as an investing strategy.
Your margin questions,
answered
Looking for more detail? Visit the M1 Help Center.