Borrow up to 30%
of your portfolio in
With a Portfolio Line of Credit, you can request to borrow in seconds at rates as low as 7.65%, and get money deposited in as little as 1 business day. If there’s a simpler, faster way to borrow cash, we haven’t seen it.
Buy low. Borrow low.
7.65% – 8.90% APR
*That’s generally way cheaper than a credit card (19.49% on average) or personal loan (6.99% – 35.99%).
No credit check or application fee
No repayment schedule
Get some now money without touching that later money.
You don’t have to dip into your long-term funds to make your investing dreams happen today. Borrowing against your portfolio means your money stays in the market, and you can avoid the tax impact of withdrawing on gains.
How much can I get?
You could borrow$7,500
Pay it back whenever. Seriously.
Earlier or later. Larger or smaller. You’re free to pay when and how you want. There are no minimum payments or early payment penalties — the interest is added to your balance monthly as you pay at your own pace. Open a line of credit today and set your own schedule with recurring payments.
You could have started borrowing cash 0 seconds ago.
Things that usually take longer:
A few FAQs, FYI.
Learn more at our help center.
What is a Portfolio Line of Credit?
Is the interest rate locked?
Are there any other risks involved in borrowing?
Here are the other risk factors you should know about:
Margin Risk: When you take out a loan your investments serve as collateral. If the value of your investments falls significantly, you may have to repay some of the loan. Learn more
Liquidation Risk: If the value of your investments falls below the threshold, we may need to sell some of your investments to cover the loan.
I want my money. How do I qualify?
How low will my rate be?
Annual interest rates for the Portfolio Line of Credit are tiered based on the total market value (or net deposits) in your taxable Automated Investing Accounts. The rates are rolled down to the nearest 0.05% in your favor. Learn more here about how we calculate your interest rates and what tier you fall into.