Interest rate savings with M1 Plus

The M1 Borrow margin interest rate is 4.25%  for M1 clients and 2.75%*  for M1 Plus members**.

You can borrow up to 40% of your portfolio value via a margin loan at 4.25% interest rate, or 2.75%* if you are an M1 Plus member**.

Here’s how the two interest rates compare:

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All M1 clients who sign up for M1 Plus get a one-year free trial***. This means that you only need to pay the annual M1 Plus membership fee of $125 from the second year.  

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 Borrow Margin loans. 

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Annual Interest example was calculated assuming interest bills were paid each month instead of being added to the Borrow 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 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. 

***First year of M1 Plus billed at $0.00; subsequent years billed annually to the payment card on file at the then-current annual subscription fee (currently $125 per year) unless cancelled. Cancel anytime under Membership details inside the M1 Platform.  


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. 

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. 

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