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.


YOUR MONEY, WHEN YOU NEED IT

Use margin to access a portfolio line of credit and borrow up to 35% of your portfolio’s value, with rates as low as 2%.  info iconM1 Borrow available on margin accounts with a balance of at least $5,000. Not available for retirement and custodial accounts. Rates may vary.

NO APPLICATION

NO PAYMENT SCHEDULE

3 CLICKS TO BORROW


Screenshot of M1 Borrow credit limit inside the M1 application.

BORROW FOR WHATEVER YOU NEED

You don’t have to choose between investing in your future and paying for your present. Keep your portfolio on track while you tap into M1 Borrow for things like:

  • Paying down a HELOC or home equity loan
  • Eliminating high-interest student loans, credit card debt, or auto loans
  • Paying for large expenses like your dream wedding, your child’s tuition payments, or your new business venture
  • Adding leverage to your portfolio and increasing your potential for higher returns
  • Covering unforeseen expenses in lieu of an emergency fund
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.


 SAVE MORE WITH M1 BORROW

Borrow money any time at 2% or 3.5%—some of the lowest margin rates on the market.


M1 Logo
M1 Plus

E*TRADE

FIDELITY

CHARLES SCHWAB

TD AMERITRADE

$5K

$5K
M1 Logo

3.5%

M1 Plus

2%

E*TRADE

8.95%

FIDELITY

8.325%

CHARLES SCHWAB

8.325%

TD AMERITRADE

9.50%

$100K

$100K
M1 Logo

3.5%

M1 Plus

2%

E*TRADE

7.45%

FIDELITY

6.825%

CHARLES SCHWAB

6.825%

TD AMERITRADE

7.75%

$1M

$1M
M1 Logo

3.5%

M1 Plus

2%

E*TRADE

5.45%

FIDELITY

4%

CHARLES SCHWAB

Call for more information

TD AMERITRADE

Call for more information


M1 rates are current as of April, 2021. Competitor rates obtained from each competitor’s website in April, 2021.



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 30% 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 Spend checking accounts furnished by Lincoln Savings Bank, Member FDIC. M1 Visa® Debit Card is issued by Lincoln Savings Bank, Member FDIC.

Credit Card not available for US Territory Residents. Review Cardholder Agreement and Rewards Terms for important information about the Owner’s Rewards Card by M1. The Owner’s Rewards Card by M1 is Powered by Deserve and issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC.

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