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Wrong brokerage. Interactive Brokers lends at 5% on large amounts and around 6% on small amounts.

You can also lend money from the options market with a box spread for around 4-5%. See e.g. boxtrades.com

options are a whole different box of worms, and playing that game has a lot more risk.

"but uh its a box trade it can't go wrong because bla bla bla bla" -- then things proceed to go wrong

you need to look at the Lombard landing products offered by banks, not margin loans on brokerage or personal loans