All M1 Individual and Joint Brokerage Accounts come with a Margin Loan feature by default. M1 Trust Accounts can be margin-eligible if indicated in the Certificate of Trust and Investment Powers. Learn more about opening an M1 Trust Account.
M1 IRAs and Custodial Accounts are not eligible for M1 Margin Loans.
When your portfolio surpasses $2,000 invested in eligible securities, you are given access to a line of credit. You do not need to use the full line of credit available and will only be charged interest for the amount used.
When requesting to take an M1 Margin Loan, you will be able to choose whether you would like to keep that money in M1 or transfer it to your bank account.
You can initiate a one-time transfer of borrowed funds to your:
External bank
M1 Invest Accounts
How it works
Under the Borrow tab, select the "Borrow" button
Input the Margin Loan amount and where you want to send the funds. Select "continue."
Review your transfer details. If everything is accurate, select "confirm." This will create your transfer.
You can view your pending and previous transfers under the Transfers tab. You can view your Margin Loan details via the Borrow tab.
Note: You cannot initiate a recurring transfer schedule from an M1 Margin Loan.
How margin buying power works
If your eligible account has an insufficient cash balance to cover buy orders, margin will be used to cover the orders if available.
Example:
Your margin-eligible Individual Brokerage Account has $50 in the cash balance.
You input a buy order for a stock for $100.
Since there is insufficient cash in the account to cover the full $100 buy order, $50 of available margin buying power will be used to cover the buy order.
Note: Prior to confirming the buy order, you will see the amount of cash and margin being used to complete the order.
Transfer timing
Below are the typical timelines for receiving your borrowed funds in different destinations:
Within the same M1 Invest Account – instant within minutes
To a different M1 Invest Account – 2-5 business days
To an M1 Earn Account – 2-5 business days
External bank – 2-5 business days
Note: See How to Pay Back Your M1 Margin Loan for information on paying back some or all of your M1 Margin Loan.
Brokerage accounts on the M1 platform are either fully disclosed to APEX Clearing or cleared through M1 Finance LLC. Please look at your account statement to determine how your account is cleared.
All investing involves risk, including the risk of losing the money you invest. Past performance does not guarantee future performance. Using margin can add to these risks. Users utilizing APEX cleared margin accounts should review the APEX margin account risk disclosure before borrowing. Users utilizing M1 cleared margin accounts should review the M1 margin account risk disclosure before borrowing. M1 Margin Loans are available on margin accounts with at least $2,000 invested per account. Not available for Retirement or Custodial accounts. Margin rates may vary.
Brokerage products and services are offered by M1 Finance LLC, Member FINRA / SIPC, and a wholly owned subsidiary of M1 Holdings, Inc.
All examples above are for informational purposes and should not be considered an offer to buy or sell certain securities. M1 does not provide investment advice.
This content was generated using artificial intelligence and is intended for informational and educational purposes only. While reasonable efforts are made to ensure accuracy, AI-generated outputs may omit key context; and should not be construed as financial, investment, legal, or tax advice. Users should independently verify all information and consult a qualified professional before making any financial decisions.
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