Schwab offers competitive rates and a flexible, convenient line of credit. Once the margin feature is in place on your account, you can borrow at any time with no additional paperwork. When used correctly, margin loans can help you execute investment strategies and can serve as a source of flexible borrowing for other lending needs. Calculating CFD margins The position margin will be calculated using the applicable margin rates, as shown in each instrument's overview section on the platform. For shares, different margin rates may apply depending on the size of your position, or the tier your position (or a portion of your position) in that instrument falls within. Check out the rates. As with any loan, you'll need to pay interest on the amount of the margin loan. Margin interest rates are typically lower than credit cards and unsecured personal loans; however, you should do your own comparison. The interest rate is variable based on a tiered schedule which is determined by the size of the margin loan.