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$100K portfolio, 4 cash needs over 15 years — which strategy wins?
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Lower rates, no minimums, instant access — see how we compare to traditional brokers.
| Provider | Borrow Rate | Max LTV | Min Amount | Time to Cash | Setup Speed | Fees |
|---|---|---|---|---|---|---|
| ★ Land | 3–5% | 65% | No minimum | Instant | Minutes | None |
| Interactive Brokers | 5.3–6.3% | 50% | $2,000 | 1–2 days | Days | Varies |
| Robinhood Gold | 6–7% | 50% | $2,000 | 1–3 days | Minutes | $5/mo Gold |
| Charles Schwab (PAL) | 6–7.5% | 70% | $100,000 | 3–5 days | Days | None |
| Wealthfront (PLOC) | 7–8.5% | 30% | $25,000 | 1–2 days | Days | None |
| Provider | Borrow Rate | Max LTV | Min Amount | Time to Cash | Setup Speed | Fees |
|---|---|---|---|---|---|---|
| ★ Land | 3–5% | 65% | No minimum | Instant | Minutes | None |
| Interactive Brokers IE | 5.3–6.3% | 50% | €2,000 | 1–2 days | Days | Varies |
| Saxo Bank | 6–8% | 50% | €50,000 | 2–4 days | Days | Custody fee |
| Swissquote | 5.5–7% | 50–65% | CHF 100,000 | 2–3 days | Days | Custody fee |
| Freedom24 | 8–9.5% | 35% | €10,000 | 1–3 days | Days | Varies |
We can't access, move, or spend your money — ever. Export your account keys anytime and use your funds independently, no app needed.
Borrow against your stocks at 3–5% — half the rate banks charge. No minimum portfolio size, unlike brokers that require hundreds of thousands.
React to breaking news instantly — evenings, weekends, holidays. No waiting for the opening bell.
Send money inside the app instantly. Fast, nearly free transfers — so you can split, gift, or fund a friend's portfolio in seconds.
Earn 2–4% APY that compounds every second in real time. Watch your balance grow and withdraw anytime — no lock-ups, no penalties.
Top up from your bank when you want to trade, and withdraw back anytime via SEPA. Low fees.
Pay online or in-store like a normal card—without juggling separate accounts. Keep trading and borrowing in Land, and spend seamlessly day to day.
Download a complete record of your activity—trades, transfers, interest, and loans—ready to share with an accountant or upload to tax software.
Top up from your bank when you want to trade, and withdraw back anytime via SEPA. Low fees.
Pay online or in-store like a normal card—without juggling separate accounts. Keep trading and borrowing in Land, and spend seamlessly day to day.
Download a complete record of your activity—trades, transfers, interest, and loans—ready to share with an accountant or upload to tax software.
Be among the first to experience Land.
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