Your money, when you need it

Use margin to access a portfolio line of credit and borrow up to 40% of your portfolio’s value with rates as low as 2.75% with M1 Plus. info icon
  • Some of the lowest rates 

  • Access funds in minutes*

  • Flexible repayment

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


 Save more with M1 Borrow

Borrow money any time at 4.25%, or 2.75% info icon with M1 Plus—some of the lowest rates on the market.


Amount Borrowed
$5K
$50K
$100K
4.25%
4.25%
4.25%
2.75%
2.75%
2.75%
8.95%
7.95%
7.45%
8.325%
6.875%
6.825%
8.325%
6.875%
6.825%
9.5%
8%
7.75%

M1 rates are current as of May, 2022. Competitor rates obtained from each competitor’s website in May, 2022.


Headshot of Adam T.

I used M1 Borrow to fund my startup business. Its flexibility, convenience, speed and ultra-low interest rate (especially for M1 Plus members) are hard to beat.

– Adam T.

Testimonials may not be representative of the experience of other customers. Not a guarantee of future performance or success.

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Borrow for whatever you need

Stay invested and pay for what you need. Tap into M1 Borrow’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

Headshot of Vikram B.

The nice part about investing with M1 is I can take out a low-cost loan on my portfolio. I don’t have to drain my investments for a large expense.

– Vikram B.

Testimonials may not be representative of the experience of other customers. Not a guarantee of future performance or success.


Your Borrow questions, answered


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 unmatched 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.


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By using this website, you accept our Terms of Use and Privacy Policy and acknowledge receipt of all disclosures in our Disclosure Library. All agreements are available in our Agreement Library. M1 relies on information from various sources believed to be reliable, including clients and third parties, but cannot guarantee the accuracy and completeness of that information.

M1 refers to M1 Holdings Inc., and its affiliates. M1 Holdings is a technology company offering a range of financial products and services through its wholly-owned, separate but affiliated operating subsidiaries, M1 Finance LLC and M1 Spend LLC.

M1 Plus is an annual membership that confers benefits for products and services offered by M1 Finance LLC and M1 Spend LLC.

All investing involves risk, including the risk of losing the money you invest. Past performance does not guarantee future performance. Using M1 Borrow’s margin account can add to these risks, and you should learn more before borrowing. Nothing in this informational site is an offer, solicitation of an offer, or advice to buy or sell any security and you are encouraged to consult your personal investment, legal, or tax advisors.

Brokerage products and services are not FDIC insured, no bank guarantee, and may lose value. Brokerage products and services are offered by M1 Finance LLC, an SEC registered broker-dealer, Member FINRA / SIPC.

M1 is not a bank. M1 Spend checking accounts furnished by Lincoln Savings Bank, Member FDIC. M1 Visa® Debit Card is issued by Lincoln Savings Bank, Member FDIC.

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