M1. Yours to build.
With combined investing, borrowing, and cash management in one easy-to-use automated platform, you can manage your money as you see fit.
Build your investment portfolio for free and maintain it with no effort with automatic and one-click rebalancing. Fractional shares enable you to put all your money to work across your entire portfolio.
Access a flexible portfolio line of credit when your portfolio value reaches $10,000, and use the funds for anything you want.
Use your integrated M1 Spend checking account to pay back your loan on your schedule, set up direct deposits, and invest automatically on a schedule.
Learn more about our offering:
Unlock a flexible portfolio line of credit at one of the lowest rates on the market with just $10,000 invested in your M1 portfolio. Through your margin account, access your funds with just a few clicks, no paperwork required, use the funds for any purpose, and pay back on your schedule.
Replace your checking account. Set up direct deposits, transfer money, and spend with a debit card. Plus, M1 Spend integrates seamlessly with Invest and Borrow, so you can access your borrowed funds instantly and move money between investments easily.
Enjoy M1 for free, or upgrade to M1 Plus for more perks
Get the best of M1 Finance with these additional features:
- • Borrow with a reduction on our already-low base rate
- • Invest with a second daily trade window for more control
And a supercharged M1 Spend checking account:
- • Earn interest with our high yield checking account
- • Get cash back on qualifying debit card purchases, no limits
“My favorite thing about M1 is the Pie: it’s very easy to see an overview of my entire portfolio.”
Joy W., FL
“Being able to purchase fractional shares is exactly what I need.”
Gregory P., FL
“I love the ability to invest without paying fees. I can put the extra savings toward purchasing extra shares.”
Victor M., NY
May not be representative of the experience of other customers. Not a guarantee of future performance or success.