Smart borrowing

Borrow at one of the lowest rates on the market.

A hassle-free and more cost-effective way to borrow

Smart money management is being able to quickly act on an opportunity using margin. With M1 Borrow, you can borrow up to 35 percent of your portfolio and pay back on your schedule. info icon





Instant, flexible, and low-cost portfolio line of credit

Flexible uses

You work hard for your money, so your money should work hard for you. M1 Finance lets you put your money to optimal use, so you can stay invested while you tap into your portfolio to pay for large expenses:


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


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.

How does M1 Borrow stack up against other lending options?

Borrow money any time at 3.50% — one of the lowest interest rates on the market.

Credit card debt

17.75% info icon

Student loan

4.53 – 7.08% info icon


5.74% info icon

Auto loan

4.62-5.13% info icon


3.97% info icon

3.50% info icon

3.25%  info icon

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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.
Address: 200 N LaSalle St., Ste. 800; Chicago, IL 60601

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