How do I sign up for an M1 Margin Loan?

All M1 Individual and Joint Brokerage Accounts come with a Margin Loan feature by default. 

When your portfolio surpasses $2,000 in invested equity, 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  

Here’s how it works:  

1. Under the Borrow tab, select the "Borrow" button

2. Input the Margin Loan amount and where you want to send the funds. Select "continue."  

3. Review your transfer details. If everything is accurate, select "confirm." This will create your transfer.  

4. You can view your pending and previous transfers under the Transfers tab. You can view your Margin Loan details via the Borrow tab.  

You cannot initiate a recurring transfer schedule from an M1 Margin Loan.  


If you have further questions, please contact us.


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.

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. 

M1 disclosures here.

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