What is M1 Borrow?

M1 Borrow gives you a flexible line of credit backed by the securities you already own in your brokerage account at one of the lowest interest rates in the market. Think of it as a type of secured loan. 

You can borrow up to 40% of your portfolio value via a margin loan at 6.5% interest rate, or 5% if you are an M1 Plus member*. 

See how our interest rates compare.

Learn how to sign up for M1 borrow.

If you have further questions, please contact us.

*rates may vary 

**M1 Plus is an annual membership that confers benefits for products and services offered by M1 Finance LLC and M1 Spend LLC, each a separate, affiliated, and wholly-owned operating subsidiary of M1 Holdings Inc. “M1” refers to M1 Holdings Inc., and its affiliates. 

All investing involves risk, including the risk of losing the money you invest. Borrowing on margin can add to these risks, and you should learn more before borrowing. M1 Borrow available on margin accounts with at least $2,000 invested. Not available for all account types including retirement, custodial and some trust accounts.  Margin rates subject to change. 

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