M1 Margin Loans don’t have a fixed repayment schedule, so you can repay the balance on your terms (except in the case of a margin call).
Margin Loan interest is deducted once a month from your Brokerage Account’s available cash. If there isn’t enough available cash to cover the interest, we’ll add the interest to your Margin Loan balance. If you’ve run out of available cash and available margin, we’ll sell investments to cover interest costs as a last resort.
You can make a payment on your M1 Margin Loan from your Margin Loan dashboard or using the “Move money” button.
Make a one-time margin loan payment
Enter the payment amount
In the “From” field, select which account the payment will come from
If you select the Individual/Joint Brokerage Account or Trust Account that the Margin Loan is linked to, available cash in that account will be used first.
If the available cash is less than the payment amount, we will sell overweight investments from your portfolio to make up the difference.
In the “To” field, select the Margin Loan you’re making a payment on.
The loan’s current balance will appear underneath the loan title.
After you review and confirm your changes, you will be able to view payback activity from Transfers.
Make a margin loan payment from the Margin Loan Dashboard:
Web
Select the Margin Loan from the Borrow Tab
Click “Pay loan”
Mobile
Select the Margin Loan from the Borrow Tab
Scroll down on the Margin Loan dashboard
Select “Pay loan” above the Activity section
Automate your M1 Margin Loan payments
You have the option to create an automatic payback schedule by following the steps below:
Enter the payment amount
In the “From” field, select which account the payment will come from
If you select the Individual/Joint Brokerage Account or Trust Account that the Margin Loan is linked to, available cash in that account will be used first.
If the available cash is less than the payment amount, we will sell overweight investments from your portfolio to make up the difference.
In the “To” field, select the Margin Loan you’re making a payment on.
The loan’s current balance will appear underneath the loan title.
Select your recurring transfer details.
After you review and confirm your changes, you will be able to view payback activity from Transfers.
Recurring transfers for monthly M1 Margin Loan interest payment
You can also use recurring transfers to make sure that your Individual/Joint Brokerage Account or Trust Account is funded with sufficient cash to take care of your monthly interest payments.
You can set your Auto-invest minimum cash higher than your monthly M1 Margin Loan interest amount to make sure the cash in your account is not automatically invested before your Margin Loan interest is billed.
Learn how to set your Auto-invest minimum threshold.
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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