M1 MARGIN LOANS

Borrow against your portfolio. Stay invested.

Borrow up to 50% of your portfolio’s value. Withdraw as cash or use it to invest. No application, no minimum payment, no late fees. You’re billed for interest monthly. Pay back the principal anytime, as long as you meet maintenance requirements.

Borrow on margin

Margin loans are payable on demand. M1 may require repayment at any time without notice. If you don’t pay, M1 may sell your securities, possibly at a loss.

M1 Margin Rate

Fidelity

10.825%

Schwab

10.25%

E*Trade

10.20%

Vanguard

9.75%

Competitor base rates shown per each brokerage’s website October 29, 2026; loan balance determines effective rate. M1 rate as of October 29, 2026.

New clients: One-year margin discount

Get a 1.66% discount on your margin rate for 12 months. At our current base rate of 5.90%, that means you can borrow at 4.24%. Promotional terms and conditions apply.

Learn more

One line of credit, two ways to use it

Get liquidity without selling

Withdraw your margin as cash and use it for almost anything, from a big purchase to an unexpected bill. Your investments stay in the market, provided you meet maintenance requirements.

Borrow for investing

Increase your positions or act on a timely opportunity. Remember, investing using margin can magnify losses as well as gains, so make sure to weigh the risks first.

Always consider the risks before using margin. Read our margin account risk disclosure.

Get advice alongside your accounts

Borrowing against your portfolio is a big decision. M1 Advisor can help you weigh it. It’s a fiduciary AI financial advisor built into M1, legally required to act in your best interest. Ask questions like:

For illustrative purposes only

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.

Built into your investing workflow

Invest using margin with one tap. When you’re looking to buy, you’ll see your available cash and your margin borrowing power.

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 (e.g. stocks, ETFs) as collateral to act as a flexible line of credit when you need it.

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.

You’ll need at least $2,000 in marginable securities in your brokerage or trust account.

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

Your line of credit is automatically available to you the next business day after you meet the eligibility requirements. There’s no application process or paperwork needed.2

M1’s margin base rate is variable and tracks the Federal Funds Rate. When the Federal Funds Rate goes up or down, generally the M1 base rate may follow.

Margin involves significant risk and is not suitable for all investors.

You can lose more than you deposit. If your securities fall in value, your losses can be greater than the money you put in, and you still owe the full loan balance.

Margin magnifies losses. If you use margin to buy more securities, a drop in their value hurts your portfolio more than it would without the loan.

M1 can sell your securities without contacting you. If your account falls below maintenance requirements, M1 can sell some or all of your securities to cover the loan. You don’t choose which securities are sold, and you aren’t entitled to extra time to meet a maintenance call.

Requirements can change without notice. M1 can raise its maintenance requirements at any time.

M1 can demand repayment at any time. That could force a sale at a bad time and at a loss.
Read the Margin Account Risk Disclosure before you borrow.

If your equity value is below our maintenance threshold, M1 will issue a maintenance call. When a maintenance call is issued for your account, you’ll need to either deposit additional cash or sell a portion of your portfolio to resolve the maintenance call.

M1 has the right to trigger a sale if the call is not met. This is a taxable event that is considered reportable on your 1099.

Put your portfolio to work for you
Join M1

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 Earn 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


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