NO PAYMENT SCHEDULE
3 CLICKS TO BORROW
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:
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
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:
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.
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.
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.