Unlock lower borrowing costs: Borrow for as low as 3.99%

Right now, M1 clients have the opportunity to reduce their margin borrowing costs for the full year ahead. For a limited time, you can secure a 1.66% discount below our standard margin rate for 12 months—and you don’t need to carry a balance to qualify. If you’re eligible for the promotion, simply opt in within the app by January 31, 2026, and the discounted rate is yours if and when you borrow during the promotional period.