About Stockmarket Loans

Stockmarket Loans publishes the margin rates US brokers charge and calculators for what borrowing against a portfolio costs and risks. It is not a broker, a lender or an investment adviser, and it does not tell anyone whether to borrow.

Where the rates come from

Every rate is copied from the broker’s own published margin rate page or fee schedule. Each broker page links that document and gives the date the broker prints on it. Benchmarks come from the Federal Reserve (the fed funds target range) and the Federal Reserve Bank of New York (SOFR and the effective fed funds rate). Rules come from the Federal Reserve’s Regulation T, FINRA Rule 4210 and FINRA and SEC investor publications.

An automated check compares eight brokers’ rate pages with the rates stored here every day and flags any change for a person to update. A page’s date changes only when a figure on it changes.

Corrections

If a broker’s rate has changed, email hello@stockmarket.loans or use the contact form with the link.

How the site is paid for

We don’t take payment from the brokers, banks or lenders listed here, and there are no paid links. Tables are sorted by published rate. The disclosures say how that would be handled if it ever changes.

The team