M1 margin rates

M1 charges 5.90% a year on a $100,000 margin loan and 5.90% on $25,000, according to its published schedule, dated September 17, 2026. At $100,000 that is 4th lowest of the 14 brokers we compare.

On $25,000: 5.90%$1,475 a year · 4th lowest of 14
On $100,000: 5.90%$5,900 a year · 4th lowest of 14
On $500,000: 5.90%$29,500 a year · 4th lowest of 10

The full schedule

Debit balance	Annual rate
$0 and up	5.900%

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

Worth knowing

M1 charges one rate on every balance.

Source

M1 margin rates page: "up to 50% of your portfolio value at a 5.90%* interest rate". Schedule date: September 17, 2026. Checked 2026-10-24. Automated check October 24, 2026: every rate listed here still appears on the broker's page. Rates change without notice; the broker's own disclosure governs.

What will borrowing cost?

Published rates, simple interest