Borrow against your portfolio at low rates
Access flexible, low-interest credit lines backed by your investments. No credit checks. No fixed payments.
Get startedWhy borrow with M1?
Portfolio line of credit that gives you flexibility without selling your investments.
Ultra-low rates
Borrow at rates significantly lower than personal loans or credit cards. Pay less interest, keep more money.
No fixed schedule
Pay back on your own terms. No mandatory monthly payments or fixed repayment timelines.
Instant access
Funds are available immediately. No paperwork, no waiting periods, no credit checks required.
Keep your investments
Borrow against your portfolio without selling a single share. Your investments keep working for you.
No hidden fees
No origination fees, no closing costs, no annual fees. You only pay interest on what you borrow.
Flexible use
Use borrowed funds for anything — home improvements, emergencies, opportunities, or everyday expenses.
One tap to borrow. It's that simple.
Once your portfolio reaches $5,000, M1 Borrow automatically becomes available. Borrow up to 40% of your portfolio value with a single tap.
Open an account →
Stay invested while you borrow
Unlike selling investments, borrowing lets you maintain your market exposure. Your portfolio continues to grow while you access cash when you need it.
How M1 Borrow works
Build your portfolio
Invest at least $5,000 in your M1 taxable brokerage account.
Enable M1 Borrow
Activate your credit line with one click — no application needed.
Borrow instantly
Access up to 40% of your portfolio value. Funds arrive immediately.
Repay on your terms
Pay back whenever you want. No minimum payments or deadlines.
M1 Borrow vs. alternatives
| M1 Borrow | Personal Loan | Credit Card | |
|---|---|---|---|
| Interest Rate | 5.65% | 8 – 15% | 18 – 28% |
| Credit Check | None | Required | Required |
| Fixed Payments | None | Monthly | Monthly min. |
| Origination Fee | $0 | 1 – 8% | $0 |
| Speed | Instant | 1 – 7 days | Instant |