The monthly fee for "gold" does seem a bit strange. But it gives you more than just margin. From https://support.robinhood.com/hc/en-us/articles/214681823-Intro

The monthly fee for "gold" does seem a bit strange. But it gives you more than just margin. From https://support.robinhood.com/hc/en-us/articles/214681823-Introducing-Robinhood-Gold https://support.robinhood.com/hc/en-us/articles/214681823-In... you also get instant settlement, instant deposit, and extended trading hours, which seems like something worth paying for. As for "micro loans" - how is this any more predatory than a margin account at any other brokerage?