Interest rate savings with M1 Plus

You can take an M1 Margin Loan of up to 40% of your portfolio value at 8.75% interest rate, or 7.25% if you are an M1 Plus member*. 

Here's how the two interest rates compare:


All M1 clients who sign up for M1 Plus get a 3 month free trial***. After your free trial, your membership will automatically renew, and you will be billed $3/month. You can cancel your subscription/free trial under your Membership details at any time. 

While the M1 Plus membership comes with benefits across all M1 products, here are some examples to help you understand how you can break-even on your M1 Plus membership fee when you only use the M1 Plus interest rate benefit for M1 Margin Loans. 


Annual Interest example was calculated assuming interest bills were paid each month instead of being added to the Margin Loan balance. If the interest was not paid and allowed to compound, the annual interest charges and M1+ savings would be slightly higher. 


If you have further questions, please contact us.


*Rates may vary  

** M1 Plus is a paid membership billed at $36 annually or at $3 monthly that confers benefits for products and services offered by M1 Finance LLC, M1 Spend LLC and M1 Digital LLC, each a separate, affiliated, and wholly-owned operating subsidiary of M1 Holdings Inc. “M1” refers to M1 Holdings Inc., and its affiliates.

*** Your free trial (a $9 value) begins the date you enroll in the M1 Plus subscription, and ends 3 month after (“Free Trial”). Upon expiry of the Free Trial, your account is automatically billed a monthly subscription fee of $3 unless you elect annual billing of $36 or cancel your subscription under your Membership details in the M1 Platform. We’ll remind you when your renewal date is approaching.

Brokerage accounts on the M1 platform are either fully disclosed to APEX Clearing or cleared through M1 Finance LLC. Accounts numbers cleared by M1 begin with the letters GM. More information about finding your account number can be found in our Help Center.

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 clearing 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. 




M1 disclosures here.

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