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Hustle readers know how to invest smarter

Here's what you need to know about investing for free with M1 Finance:

Open an account today

"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



multiple people


an island


(Traditional, Roth, SEP)

three dots


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.

Borrow interface within M1's mobile application.

Powerful technology, best-in-class security

M1 mobile app showing security features

Military-grade encryption

All data transferred and stored is protected with 4096-bit encryption

Insurance protection

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.

Two-factor authentication

We offer two-factor authentication to keep your account extra secure.

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.

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

Brokerage products and services offered by M1 Finance LLC, an SEC registered broker-dealer and Member FINRA / SIPC.

Brokerage products are: Not FDIC Insured • No Bank Guarantee • May Lose Value

All investing involves risk, including the risk of losing the money you invest, and past performance does not guarantee future performance. Borrowing on margin 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, and tax advisors.

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

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

© Copyright 2020 M1 Holdings Inc.