NEW: Lower requirements for M1 Borrow

As of May 1, M1 Borrow is now available to those with $5,000 or more invested on the platform. Borrow up to 35% of your portfolio’s value with ease and pay it back on your own time. info icon

See full terms →

NO EXTRA APPLICATION

NO PAYMENT SCHEDULE

3 CLICKS TO BORROW



Get more for FREE when you try M1 Plus

If you’re loving M1, we can’t wait for you to try M1 Plus. Get a whole year of M1 Plus perks, for $0 (a $125 value) for continued savings after this deal ends on June 30.


Borrow better

Tap in to our everyday low interest rate of 2%.

Unlock a second trade window

Invest in the AM or PM.

Get Smart Transfers

Create rules to automate and control your money moves.

Rewards on checking

Get 1% APY and 1% cash back on qualifying purchases. info icon

And more!

Your money never has to stop working

You don’t have to choose between investing in your future and paying for your present. Take advantage of 0% interest until June 30 for things like:

  • Paying down a HELOC or home equity loan
  • Eliminating high-interest student loans, credit card debt, or auto loans
  • Paying for large expenses like your dream wedding, your child’s tuition payments, or your new business venture
  • Adding leverage to your portfolio and increasing your potential for higher returns
  • Covering unforeseen expenses in lieu of an emergency fund


Headshot of Ryan C.

M1 basically allows me to be my own bank. That’s super powerful for when I want to flex how I use my money.

– Ryan C.

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


 SAVE WITH M1 BORROW. Save even more with M1 Plus.

After 0% interest is over, our 2% and 3.5% margin rates will return—some of the lowest on the market.


M1 Borrow
M1 Borrow with M1 Plus

E*TRADE

FIDELITY

CHARLES SCHWAB

TD AMERITRADE

$5K

$5K
M1 Borrow

3.5%

M1 Borrow with M1 Plus

2%

E*TRADE

8.95%

FIDELITY

8.325%

CHARLES SCHWAB

8.325%

TD AMERITRADE

9.50%

$100K

$100K
M1 Borrow

3.5%

M1 Borrow with M1 Plus

2%

E*TRADE

7.45%

FIDELITY

6.825%

CHARLES SCHWAB

6.825%

TD AMERITRADE

7.75%

$1M

$1M
M1 Borrow

3.5%

M1 Borrow with M1 Plus

2%

E*TRADE

5.45%

FIDELITY

4%

CHARLES SCHWAB

Call for more information

TD AMERITRADE

Call for more information


M1 rates are current as of April, 2021. Competitor rates obtained from each competitor’s website in April, 2021.

Don’t forget to lock in our lowest rates

After June 30th, the low, low interest rates continue with M1 Plus. Activate your free, 1‑year trial of M1 Plus (a $125 value) to get a 2% interest with M1 Borrow, Smart Transfers, and other exclusive features and perks.


Headshot of Adam T.

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

– Adam T.

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


TOTAL CONTROL, TOTAL AUTOMATION

For your wealth today and tomorrow.


M1 Borrow Your First $5,000 at 0% Interest Promotion

Borrow up to $5,000 at 0% interest from May 11, 2021 to June 30, 2021. Here’s how to get started:  

  1. Have at least $5,000 invested in an M1 individual or joint brokerage account. 
  1. Wait at least one business day from the time of reaching $5,000 in investments. 
  1. Borrow up to 35% of your portfolio and use the funds to reinvest in your individual or join brokerage account or withdraw the money to use for other purposes.  
  1. Have $0 charged in interest from May 11, 2021 through June 30, 2021.  

Terms & Conditions 

All M1 users who have at least $5,000 invested in an individual or joint brokerage account are eligible to borrow up to 35% of their portfolio. The first $5,000 borrowed will be charged 0% interest from May 11, 2021 at 12:00 am ET through June 30, 2021 at 11:59 pm ET (the “Term”); however, any amount borrowed above $5,000 will be charged 2% interest for M1 Plus users and 3.5% for non-M1 Plus users (together, the “Promotion”).  

All customers who invest additional funds into their M1 individual or joint investment account to meet the $5,000 threshold may not be eligible for borrow for at least one market day. Once eligible for borrow, any withdrawal requests will be subject to M1’s AML hold of six business days from any recent deposits. See M1’s Money Transfers Timing FAQ for more information.  

Beginning May 11, 2021, this Promotion applies to any amount up to $5,000 borrowed on margin by an M1 individual or joint brokerage account. Borrowing on margin means utilizing M1’s borrow feature. 0% interest will be charged on any amount up to $5,000 for each individual or joint account utilizing the borrow feature from May 11, 2021 through June 30, 2021. 

Starting on July 1, 2021, any amount borrowed will be charged M1’s borrow rate of 3.5% for non-M1 Plus users and 2% for M1 Plus users. M1 Plus is an annual membership that confers benefits for products and services offered by M1 Finance LLC and M1 Spend LLC for $125.00 a year. Learn more about M1 Plus membership here.   


General Conditions:  

Investing involves risk, including the risk of loss. Borrowing adds to this risk and you may lose more than you deposit. M1 borrow is available on margin accounts of $5,000 equity. M1 borrow only allows customers to borrow up to 35% of their portfolio. Borrow is not available for retirement, trust, or custodial accounts. Rates are subject to change. You are encouraged to read M1’s Margin Disclosure prior to using M1 Borrow to learn more about how interest is calculated and risks.  

Please note, borrow amounts are subject to maintenance calls requiring you to deposit additional cash or sell out of securities you hold to meet a certain equity value in your M1 Invest brokerage account. See M1’s Your Credit Status and Maintenance Calls Support Page to learn more.  

By participating in this Promotion, you agree to release, discharge, indemnify, and hold harmless, M1, its affiliates, retailers, and advertising and promotion agencies, and all of their respective officers, directors, members, managers, partners, and employees from any liability or damages that may arise out of participation in this Promotion or out of acceptance, use, misuse or possession of the margin amount utilized in this Promotion. All applicable federal, state, and local laws and regulations apply.  

M1 reserves the right, in its sole discretion, and at any time, to cancel, terminate, modify, extend or suspend this Promotion for any reason whatsoever (“Promotion Modification”). All M1 users already-then approved and participating in the Promotion prior to any Promotion Modification shall be honored throughout the Promotion Term.   

Your Personal Information: Personal information collected in connection with this offer will be used in accordance with M1’s Privacy Policy.  

Check the background of M1 Finance LLC on FINRA's BrokerCheck

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.

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