Smart borrowing

Borrow at one of the lowest rates on the market.

Borrow at a low, low rate—as low as 2%

Use margin to access a portfolio line of credit and borrow up to 35% of your portfolio’s value, in less than 10 seconds. info icon


How does M1 Borrow stack up?

Borrow money any time at 2% or 3.5%—some of the lowest interest rates on the market.

Choose your account:

M1 Plus Logo
M1 Plus Account

2% info icon

Learn More →
M1 Standard Logo
Basic M1 Account

3.5% info icon

Compare to other lending options:

Credit card debt

17.28% info icon

Student loan

4.53 – 7.08% info icon


5.82% info icon

Auto loan

4.43-4.91% info icon


4.02% info icon

Borrow for whatever you need

Stay invested and keep your portfolio on track while you tap into M1 Borrow for things like:

Paying down a HELOC or home equity loan

Eliminating high-interest student loans, credit card debt, or auto loans

Paying for large expenses like your dream wedding, your child’s tuition payments, or your new business venture

Adding leverage to your portfolio and increasing your potential for higher returns

Covering unforeseen expenses in lieu of an emergency fund

Plus, if you itemize your deductions on your tax return, the interest you pay may be tax deductible. info icon

What are the risks?

M1 Finance gives you unmatched flexibility with how you manage your money, but here are some things to keep in mind when taking out a loan with M1 Borrow:

Interest rate

The M1 Borrow base rate is variable and tracks the Federal Funds Rate. When the Federal Funds Rate goes up or down, the M1 Borrow base rate will follow.

Maintenance calls

If your portfolio value declines, your account can trigger a maintenance call and we may need to sell a portion of your portfolio to cover the loan.

Magnified losses

If you use proceeds from an M1 Borrow loan to buy additional securities in your M1 Finance portfolio, the potential losses in your portfolio will by magnified.

Learn more about these and other risks in our Margin Disclosure.

Total control, total freedom.

Be invested.

Check the background of M1 Finance LLC on FINRA's BrokerCheck

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.

Brokerage products and services offered by M1 Finance LLC, an SEC registered broker-dealer and Member  FINRA /  SIPC.

Brokerage products are: Not FDIC Insured • No Bank Guarantee • May Lose Value

All investing involves risk, including the risk of losing the money you invest, and past performance does not guarantee future performance. Borrowing on margin 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, and tax advisors.

M1 Spend checking accounts furnished by Lincoln Savings Bank, Member FDIC. M1 VisaTM Debit Card is issued by Lincoln Savings Bank, Member FDIC.

No minimum balance to open account. No minimum balance to obtain APY (annual percentage yield). APY valid from account opening. Fees may reduce earnings. Rates may vary.
All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.
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