Margin Trading
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Margin Loans
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Invest with flexibility.
Introducing new margin rates as low as 4.75%.
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Margin investing may let you tap into extra investing power by borrowing against your portfolio, with rates from 4.75% to 9.50%, based on your loan size. See rates below.
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Get started now
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Utilizing a margin loan is generally considered more appropriate for experienced investors as there are additional costs and risks associated. It is possible to lose more than your initial investment when using margin. Please see SoFi.com/wealth/assets/documents/brokerage-margin-disclosure-statement.pdf for detailed disclosure information.
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Liquidity
Leverage your portfolio to buy more securities while staying invested.
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Buying power
Act on investment opportunities based on your risk tolerance and goals.
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Flexibility
Borrow against your investments for short-term needs, with tiered margin rates based on your loan size.
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Value
Increase your potential earnings with competitive margin rates.
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Based on SoFi Members | Updated: 6/4/2024
Meet our new tiered margin rates.
As you build your portfolio and add assets with us, you may gain access to lower rates and greater buying power.
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| Margin balance | $0-$50K | $50K-$100K | $100K-$200K | $200K-$500K | $500K-$1M | $1M-$10M | >$10M |
|---|---|---|---|---|---|---|---|
 Margin rates |
9.50% | 8.75% | 8.25% | 7.25% | 6.75% | 5.75% | 4.75% |
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Margin balance |
Margin rates |
|---|---|
| {row.bal} | {row.rate} |
| > $10M | 4.75% |
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Margin investing 101.
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text: ‘If you invest $5K and borrow $5K on margin to buy $10K of stock, a 20% rise would make it worth $12K. After repaying the loan, you would have $7K, a 40% gain. But a 20% drop would leave you with $8K. After repayment, you would have $3K, a 40% loss. Margin investing could magnify both profits and losses, so it carries higher risk.
*Interest payment not included‘,
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Why invest on margin?
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Leverage the value of your investments.
You may qualify for competitive, tiered margin rates as low as 5%, so your money works harder for you. Our new rate structure is designed to reward active investors with better value and lower borrowing costs the more you invest. See rate schedule above.
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Amplify your purchasing power, but be aware of amplified risks.
Using margin allows you to purchase securities worth more than the cash value you have in your account, effectively increasing your potential investment exposure. This leverage can provide an opportunity to capitalize on high-conviction ideas or diversify your portfolio without liquidating existing assets.
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Stay flexible with access to liquidity.
You may access funds quickly with no fixed repayment schedule, allowing you to use your portfolio to meet short-term liquidity needs.
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Leverage the value of your investments.
You may qualify for competitive, tiered margin rates as low as 5%, so your money works harder for you. Our new rate structure is designed to reward active investors with better value and lower borrowing costs the more you invest. See rate schedule above.
{/* Item 2 */}
Amplify your purchasing power, but be aware of amplified risks.
Using margin allows you to purchase securities worth more than the cash value you have in your account, effectively increasing your potential investment exposure. This leverage can provide an opportunity to capitalize on high-conviction ideas or diversify your portfolio without liquidating existing assets.
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Stay flexible with access to liquidity.
You may access funds quickly with no fixed repayment schedule, allowing you to use your portfolio to meet short-term liquidity needs.
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Know the risks of margin investing before you begin.
Like all investing, investing on margin comes with some risk. If the value of your investment decreases, you may still owe SoFi the amount you borrowed plus interest. If the value of your investment decreases too much, you may have to add more money or sell your investments to repay the margin loan. This is known as a margin call. Be aware that SoFi can force the immediate sale of your securities without contacting you first to meet a margin call.
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How to open a margin account.
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Open a SoFi Invest account.
The platform makes opening and funding an account easy, and you can do it all on the SoFi app.
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Start investing or transfer assets.
You’ll need to have at least $2,000 in your account before you can start borrowing on margin.
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Complete a questionnaire.
SoFi will either approve or deny you for margin lending, depending on your answers.
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Start buying securities on margin.
Take out margin loans, increase your buying power, and you may experience trading on a new level.
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Get started now
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The hows, the whats, and the whys
of margin investing.
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Frequently asked questions.
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A margin call is triggered when your account equity falls below your margin requirement (thereby creating a negative available margin balance). When notified of a margin call, you will be given a specified deadline to respond and rectify the deficit. This can be accomplished by either adding cash or selling securities. In extreme cases, assets may be liquidated prior to the deadline.
The amount you can borrow depends on a variety of factors including overall account balance, current equity, and the specific securities held in your account. To view the specific figure, navigate to the “Buying Power” section of your margin account.
Interest charges are calculated daily by multiplying the outstanding margin debit balance by the annual interest rate and dividing the result by 360. These daily figures are accrued and automatically charged to the account on a monthly basis.
Your interest due is accrued on a daily basis, and deducted from your account once per month. This happens automatically and does not require you to take any action.
There are a variety of factors used to determine whether a stock is marginable. You can confirm the marginability of a specific stock by looking at the quote page via the SoFi mobile app or website.
There aren’t any fees when opening a SoFi margin account. However, your outstanding margin balance will accrue interest on a monthly basis.
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Yes. Margin can be disabled by navigating to your “Buying Power” page and flipping “Margin investing enabled” to the off position.
Typically, buying stocks on margin won’t affect your credit score. However, your score could be affected when you initially open a margin account.
There are certainly pros and cons when it comes to margin trading in the long term. Generally, if you’re proactive in paying back the money you borrow, margin trading can be a great long-term investing strategy, ideally earning gains greater than your borrowing costs.
There isn’t a minimum borrowing amount per se. However, your purchasing power is based on a variety of factors, such as the securities you hold, account balance, and current equity.
In order to pay off your margin balance, you must repay the full amount borrowed plus interest through your Invest account on the SoFi App.
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Frequently asked questions.
A margin call is triggered when your account equity falls below your margin requirement (thereby creating a negative available margin balance). When notified of a margin call, you will be given a specified deadline to respond and rectify the deficit. This can be accomplished by either adding cash or selling securities. In extreme cases, assets may be liquidated prior to the deadline.
The amount you can borrow depends on a variety of factors including overall account balance, current equity, and the specific securities held in your account. To view the specific figure, navigate to the “Buying Power” section of your margin account.
Interest charges are calculated daily by multiplying the outstanding margin debit balance by the annual interest rate and dividing the result by 360. These daily figures are accrued and automatically charged to the account on a monthly basis.
Your interest due is accrued on a daily basis, and deducted from your account once per month. This happens automatically and does not require you to take any action.
There are a variety of factors used to determine whether a stock is marginable. You can confirm the marginability of a specific stock by looking at the quote page via the SoFi mobile app or website.
There aren’t any fees when opening a SoFi margin account. However, your outstanding margin balance will accrue interest on a monthly basis.
Yes. Margin can be disabled by navigating to your “Buying Power” page and flipping “Margin investing enabled” to the off position.
Typically, buying stocks on margin won’t affect your credit score. However, your score could be affected when you initially open a margin account.
There are certainly pros and cons when it comes to margin trading in the long term. Generally, if you’re proactive in paying back the money you borrow, margin trading can be a great long-term investing strategy, ideally earning gains greater than your borrowing costs.
There isn’t a minimum borrowing amount per se. However, your purchasing power is based on a variety of factors, such as the securities you hold, account balance, and current equity.
In order to pay off your margin balance, you must repay the full amount borrowed plus interest through your Invest account on the SoFi App.
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See how margin investing with SoFi
could offer you more opportunity today.
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Get started now
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Utilizing a margin loan is generally considered more appropriate for experienced investors as there are additional costs and risks associated. It is possible to lose more than your initial investment when using margin. Please see SoFi.com/wealth/assets/documents/brokerage-margin-disclosure-statement.pdf for detailed disclosure information.
