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Headshot of Adam T.

I used M1 Borrow to fund my startup business. Its flexiblity, convenience, speed and ultra-low interest rate (especially for M1 Plus members) is hard to beat.

– Adam T.


Join our yearly membership to get exclusive perks across M1 Invest, M1 Spend, and M1 Borrow.

Get more control, more automation, lower rates, and more rewards with M1 Plus.

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  • $0 trading commissions
  • AM trade window

BORROW info icon

  • 3.5% rate
  • $5,000 minimum balance


  • $0 balance minimum
  • 1 monthly ATM fee reimbursment
  • 0.8 – 1% international fees
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  • $0 trading commissions
  • AM or PM trade window info icon
  • Smart Transfers
  • Custodial accounts


  • 2% rate
  • $5,000 minimum balance


  • 1% APY checking and cash back on M1 Spend Visa® Debit Card purchases info icon
  • 4 monthly ATM fee reimbursements
  • 0 international fees on debit card purchases
  • Send paper checks from the M1 app


  • Apply for the Owner’s Rewards Card by M1 info icon
  • Annual fee waived with membership info icon
  • Earn 1.5–10% cash back info icon
  • Automatically re-invest rewards in eligible accounts 

Headshot of Matt S.

M1 gives me the freedom and peace of mind to automate my investing for long-term growth.

– Matt S.

All testimonials may not be representative of the experience of other customers. Not a guarantee of future performance or success.


For your wealth today and tomorrow.

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By using this website, you accept our Terms of Use and Privacy Policy and acknowledge receipt of all disclosures in our Disclosure Library. All agreements are available in our Agreement Library. M1 relies on information from various sources believed to be reliable, including clients and third parties, but cannot guarantee the accuracy and completeness of that information.

M1 refers to M1 Holdings Inc., and its affiliates. M1 Holdings is a technology company offering a range of financial products and services through its wholly-owned, separate but affiliated operating subsidiaries, M1 Finance LLC and M1 Spend LLC.

M1 Plus is an annual membership that confers benefits for products and services offered by M1 Finance LLC and M1 Spend LLC.

All investing involves risk, including the risk of losing the money you invest. Past performance does not guarantee future performance. Using M1 Borrow’s margin account can add to these risks, and you should learn more before borrowing. Nothing in this informational site is an offer, solicitation of an offer, or advice to buy or sell any security and you are encouraged to consult your personal investment, legal, or tax advisors.

Brokerage products and services are not FDIC insured, no bank guarantee, and may lose value. Brokerage products and services are offered by M1 Finance LLC, an SEC registered broker-dealer, Member FINRA / SIPC.

M1 Spend checking accounts furnished by Lincoln Savings Bank, Member FDIC. M1 Visa® Debit Card is issued by Lincoln Savings Bank, Member FDIC.

Credit Card not available for US Territory Residents. Review Cardholder Agreement and Rewards Terms for important information about the Owner’s Rewards Card by M1. The Owner’s Rewards Card by M1 is Powered by Deserve and issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC.

All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.

App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC.

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