Which accounts are eligible for an M1 Margin Loan?

An M1 Margin Loan is typically available on the following account types: 

  • Individual/Joint Brokerage Accounts 
  • Trust Accounts*

*M1 Trust Accounts are eligible for an M1 Margin Loan if you sign the Margin and Short Agreement when opening up an M1 Finance Trust Account. 

M1 Traditional, Roth, and SEP IRAs and Custodial Accounts are not eligible for Margin Loans. 

The above account types may not be supported on M1. Learn when you will be eligible for an M1 Margin Loan.


All investing involves risk, including the risk of losing the money you invest. Borrowing on margin can add to these risks, and you should review the M1 Margin Loan account risk disclosures before borrowing. M1 Margin Loan available on margin accounts with at least $2,000 invested. Not available for all account types including M1 Traditional IRA, M1 Roth IRA, M1 SEP IRA, M1 Custodial, and some M1 Trust Accounts. Margin Loan rates subject to change.

M1 disclosures here.

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