"Giving every investor access to fractional shares is a game changer."
Michael M., RI
"I have used several brokerages, and none of them have delivered the diversification and freedom in investment choices like M1 has."
Dan T., IA
"It's still amazing to me that M1 offers so much value without charging fees."
Alex G., NY
Accounts to fit your needs
(Traditional, Roth, SEP)
Powerful technology, best-in-class security
We’re a member of SIPC, so securities in accounts are protected up to $500,000. SIPC insurance does not protect against loss in the market value of securities. Our clearing firm has also purchased supplemental insurance in the event that SIPC limits are exhausted.
M1 Spend checking accounts are FDIC-insured up to $250,000.
All data transferred and stored within our systems is protected with 4096-bit encryption.
We offer two-factor authentication to keep your account extra secure.
Borrow on your terms
When you invest $10,000 or more with M1 Finance, you also unlock the simplest, lowest cost way to borrow money.
M1’s flexible portfolio line of credit lets you borrow up to 35 percent of your portfolio1 instantly and pay back on your schedule — all for just 4% APR2. No waiting time. No credit checks. No paperwork. Use it for whatever you want, whenever you want.
Invest without compromise. Invest with M1 Finance.
1. Minimum account balance must be at least $10,000 to use M1 Borrow.
2. M1 Borrow interest rate is based on the federal interest rates and is subject to change if and when federal rates change.
3. Testimonials may not be representative of the experience of other customers and should not be considered a guarantee of future performance. These stories come from an M1 Finance contest in which users submitted their stories of using M1 for a chance to win $500 to invest. Finalists received M1 merchandise after the winner was announced.
M1 Finance LLC is a SEC registered broker-dealer and Member FINRA / SIPC. You can check the background of M1 Finance LLC on FINRA's BrokerCheck. SIPC protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). SIPC insurance does not protect against loss in the market value of securities. Investments are not FDIC insured and may lose value. Please consider your objectives and M1 fees before investing. Past performance is not a guarantee of future results. Using margin involves risks: you can lose more than you deposit, you are subject to a margin call, and interest rates may change. Not an offer, solicitation of an offer, or advice to buy or sell securities in jurisdiction where M1 Finance LLC is not registered.M1 Spend checking accounts furnished by Lincoln Savings Bank, Member FDIC. M1 VisaTM Debit Card is issued by Lincoln Savings Bank, Member FDIC, pursuant to a license from Visa U.S.A., and serviced by M1 Spend LLC. M1 Spend LLC is not a bank. Visa is a registered trademark of Visa International Service Association. No minimum balance to open account. No minimum balance to obtain APY (annual percentage yield). APY valid from account opening. Fees may reduce earnings. Rates may vary.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. Address: 213 W Institute Pl, Ste. 301, Chicago, IL 60610