Interactive Brokers IBKR Lite margin rates

Interactive Brokers IBKR Lite charges 6.38% a year on a $100,000 margin loan and 6.38% on $25,000, according to its published schedule. At $100,000 that is 5th lowest of the 14 brokers we compare.

On $25,000: 6.38%$1,595 a year · 5th lowest of 14
On $100,000: 6.38%$6,380 a year · 5th lowest of 14
On $500,000: 6.38%$31,900 a year · 5th lowest of 10
IBKR USD Reference Benchmark (BM): 3.88%2026-10-22

The full schedule

Debit balance	Annual rate	How it is set
$0 and up	6.380%	BM + 2.5%

The rate for the tier your balance falls in applies to the whole balance.

Worth knowing

IBKR Lite charges one rate, the benchmark plus 2.5%, at every balance.

Source

Interactive Brokers IBKR Lite margin rates page: "6.380% (BM + 2.5% )". Schedule date: not dated by the broker. Checked 2026-10-24. Rates change without notice; the broker's own disclosure governs.

What will borrowing cost?

Published rates, simple interest