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.
M1 BORROW
Borrow from just 3.5% to 5.0%
Borrow against your investments without the extra paperwork at some of the lowest rates on the market.
GET STARTEDYour 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 3.5% with M1 Plus.
- 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 5.0%, or 3.5% with M1 Plus—some of the lowest rates on the market.
Amount Borrowed
$5K
$50K
$100K
5.0%
5.0%
5.0%
3.5%
3.5%
3.5%
E*Trade
9.70%
8.70%
N/A
Fidelity
9.075%
7.625%
5.0%
Charles Schwab
9.075%
7.625%
N/A
TD Ameritrade
10.25%
8.75%
N/A
M1
E*Trade
Fidelity
Charles Schwab
TD Ameritrade
E*Trade
Fidelity
Charles Schwab
TD Ameritrade
M1 rates are current as of June, 2022. Competitor rates obtained from each competitor’s website in June, 2022.
Testimonials may not be representative of the experience of other customers. Not a guarantee of future performance or success.
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
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.
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.
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.
