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Borrow

Using M1's flexible, low-cost line of credit

Understanding margin loans

  • What is a margin loan?
  • What are margin loans typically used for?
  • How do margin loans work?
  • Which accounts are eligible for margin loans?
  • Benefits and risks of a margin loan
  • Maintenance margin call basics
See all 7 articles

M1 Borrow basics

  • What is M1 Borrow?
  • What can I use M1 Borrow for?
  • When am I eligible to use M1 Borrow?
  • How do I sign up for M1 Borrow?
  • How long does it take to get access to borrowed funds?
  • When do I need to pay my borrow loans?
See all 9 articles

Interest rates

  • What are the interest rates?
  • How do M1 borrow interest rates compare?
  • How is interest calculated?
  • Interest rate savings with M1 Plus

Billing and payments

  • How will I be billed?
  • How do I make my monthly payments?
  • How do I pay back the principal?
  • Can I automate my payments?

Margin calls

  • Maintenance requirements for positions on M1
  • How can I track my borrow usage?
  • How do I know a maintenance margin call is issued by M1?
  • What do I do when a maintenance call is issued by M1?
  • How long do I have to act on a maintenance call?
  • Other types of margin calls
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By using this website, you accept our Terms of Use and Privacy Policy and acknowledge receipt of all disclosures in our Disclosure Library. All agreements are available in our Agreement Library. M1 relies on information from various sources believed to be reliable, including clients and third parties, but cannot guarantee the accuracy and completeness of that information.

M1 refers to M1 Holdings Inc., and its affiliates. M1 Holdings is a technology company offering a range of financial products and services through its wholly-owned, separate but affiliated operating subsidiaries, M1 Finance LLC and M1 Spend LLC.

M1 Plus is an annual membership that confers benefits for products and services offered by M1 Finance LLC and M1 Spend LLC.

All investing involves risk, including the risk of losing the money you invest. Past performance does not guarantee future performance. Using M1 Borrow’s margin account can add to these risks, and you should learn more before borrowing. Nothing in this informational site is an offer, solicitation of an offer, or advice to buy or sell any security and you are encouraged to consult your personal investment, legal, or tax advisors.

Brokerage products and services are not FDIC insured, no bank guarantee, and may lose value. Brokerage products and services are offered by M1 Finance LLC, an SEC registered broker-dealer, Member FINRA / SIPC.

Commission-free trading of stocks and ETFs refers to $0 commissions charged by M1 Finance LLC for self-directed brokerage accounts. Other fees may apply such as regulatory, M1 Plus membership, account closures and ADR fees. For complete list of fees, visit M1 Fee Schedule.

M1 is not a bank. M1 Spend checking accounts furnished by Lincoln Savings Bank, Member FDIC. M1 Visa® Debit Card is issued by Lincoln Savings Bank, Member FDIC.

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