Where are you getting these numbers? Their rates appear to go from ~4.8-7.2%[1] Also, it should be noted that Gold is a flat fee based on account value bracket

Where are you getting these numbers? Their rates appear to go from ~4.8-7.2%[1] Also, it should be noted that Gold is a flat fee based on account value brackets and margin brackets not a percent fee of your margin like every other brokerage. That means your effective margin rate can be much higher. e.g. if you borrow $100 for a $2000 account, you're looking at an effective margin rate of 72%. [1] https://d2ue93q3u507c2.cloudfront.net/assets/robinhood/legal/RHF%20Retail%20Commisions%20and%20Fees%20Schedule.pdf https://d2ue93q3u507c2.cloudfront.net/assets/robinhood/legal... (linked to from their FAQ[2], sorry for the sketch URL) [2] https://support.robinhood.com/hc/en-us/articles/214681823-Introducing-Robinhood-Gold https://support.robinhood.com/hc/en-us/articles/214681823-In...