A hassle-free and more cost-effective way to borrow
Part of every intelligent investor’s toolbox is borrowing on margin. With M1 Borrow, you can borrow up to 35 percent of your portfolio1 and pay back on your schedule.
No additional paperwork
No credit checks
No loan officers
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.
Refinance existing debt
Refinance existing debt to keep payments low and due dates flexible, whether it’s a mortgage, HELOC, auto loan, student debt, or personal loan.
Add leverage to your portfolio2
Invest more in M1’s free platform and increase potential for higher returns.
Your emergency fund doesn't need to sit in cash - feel free to invest it. With M1 Borrow, you have access to funds when you need them.
Sean M. leveraged his portfolio to purchase more stock
Hannah B. used M1 Borrow instead of an auto loan to pay for her car in full.
Michael S. financed his condo renovation using M1 Borrow
These examples are real use cases from real M1 users. The pictures are not of the actual user.
How does M1 Borrow stack up?
Borrow money any time at a 4.25%3 — one of the lowest interest rates on the market.
Credit card debt
5.05 - 7.60%6
4.78 - 5.27%6
1. M1 Borrow available on margin accounts with a balance of at least $10,000. Does not apply to retirement accounts.
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, please see our margin disclosure.
3. The M1 Borrow interest rate is based on short term interest rates and is subject to change if and when the Federal Reserve changes their target for the Federal Funds rate. M1 rates are current as of May 10, 2019.
4. M1 Plus membership includes a 0.25% discount on M1 Borrow.
Rates were obtained on May 2, 2019 from the following websites:
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 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. Address: 213 W Institute Pl, Ste. 301, Chicago, IL 60610