What are the interest rates?

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*. 

The M1 Borrow rate is based on short-term interest rates and is subject to change if and when the Federal Reserve changes its target for the federal funds rate. 

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  review our margin account risk disclosure 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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