Promotional rate:
4.40%
Get a 1.50% margin discount for the next 12 months
Standard rate: 5.90%
Act today to get a 1.50% discount on M1’s base margin rate for 12 months. If you’re eligible, opt in before December 10, 2025 to lock in your discount—whether you want to borrow now or later.
Individual and joint brokerage accounts with over $2,000 in eligible securities qualify to borrow on margin. Promo eligibility is open to clients who do not have an existing margin balance. Rates are subject to change.
Lock in your discount even if rates move
Watching the moves of the Federal Reserve? Us, too. Opt in to this promotion and you’ll get 1.50% below M1’s base margin rate for the entire year, even if that rate goes down. Rates are subject to change.
Rates are variable. For illustrative purposes only.
Lock in your discount—even if rates move
Watching the moves of the Federal Reserve? Us, too. Opt in to this promotion and you’ll get 1.50% below M1’s base margin rate for the entire year, even if that rate goes down. Rates are subject to change.
Short-term liquidity when you need it
Need cash but want to keep your positions? Margin access is built into taxable M1 brokerage accounts, so you can borrow against your portfolio without selling (as long as you meet maintenance requirements).
Leverage for long-term investing
Investors can use margin to invest more or balance out a portfolio. Used thoughtfully, it’s a flexible tool for investment opportunities.
No balance‑based tiers
Some brokerages give you a lower rate for borrowing more. Not at M1. You can get this competitive rate regardless of how much you borrow.
Activate your 12-month margin discount
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.
Promotion details: Eligible taxable brokerage accounts approved for margin can receive a 1.50% discount to M1’s standard margin rate for 12 months from promotion activation. After the promotional period, the rate reverts to the then‑current standard margin rate.
Eligibility: Promo eligibility is open. $2,000 in margin-eligible securities required to borrow on margin; available for Individual and Joint brokerage accounts. Promotional terms and conditions apply
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