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M1 Borrow

The simplest, lowest cost way to borrow money.

M1’s flexible portfolio line of credit lets you borrow up to 35 percent of your portfolio1 and pay back on your schedule.

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Instant access


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No additional paperwork
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No credit checks
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No loan officers
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No denials

Flexible use

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Fund major purchases

Put a down payment on your dream home, say yes to the perfect wedding, or finally buy that car you’ve been wanting — all while keeping your investment portfolio on track.

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Refinance existing debt

Refinance your existing debt, whether it’s a mortgage, HELOC, auto loan, student debt, or personal loan, to keep payments low and due dates flexible.

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Add leverage to your portfolio2

Invest more in M1’s free platform and increase potential for higher returns.

Low rates

Borrow money any time at a 4.25%3 — one of the lowest interest rates on the market.


Credit card debt4
17.36%
Student loan5
5.05 - 7.6%
HELOC4
5.81%
Auto loan4
4.79 - 5.37%
Mortgage4
4.29 - 4.92%
M1 Borrow3
4.25%
Disclosures
1. Must be a taxable brokerage account with at least $10,000. M1 may impose additional restrictions based on risk of securities held or portfolio concentration
2. Just as using loans to leverage your portfolio may amplify your returns, it may also magnify your losses. To learn more about the risks associated with margin loans, see our margin disclosure
3. M1 Borrow interest rate is set monthly and is subject to change.

Rates were obtained on Oct 1, 2018 from the following websites:
4. Credit card debt, HELOC, auto loan, mortgage: https://www.bankrate.com/finance/credit-cards/current-interest-rates.aspx

Experience a better way to borrow


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

M1 Holdings Inc. provides a range of financial services through its operating subsidiaries. M1 Finance LLC and M1 Spend LLC are wholly-owned subsidiaries of M1 Holdings Inc. and are separate but affiliated companies. 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 Finance LLC is a SEC registered broker-dealer and Member FINRA / SIPC. You can check the background of M1 Finance LLC on FINRA's BrokerCheck. SIPC protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). SIPC insurance does not protect against loss in the market value of securities. Investments are not FDIC insured and may lose value. Please consider your objectives and M1 fees before investing. Past performance is not a guarantee of future results. Using margin involves risks: you can lose more than you deposit, you are subject to a margin call, and interest rates may change. Not an offer, solicitation of an offer, or advice to buy or sell securities in jurisdiction where M1 Finance LLC is not registered.M1 Spend Visa Debit Card, 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. M1 Spend LLC is not a bank.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.
Address: 213 W Institute Pl, Ste. 301, Chicago, IL 60610

© Copyright 2019 M1 Holdings Inc.