United StatesM1 is sophisticated wealth building, simplified.
Our comprehensive financial platform combines high-yield on your cash, personalized investment management, a lucrative cash-back credit card, and flexible ways to borrow money.
Discover the power of personalized finance and take control of your financial future. Download M1 now and experience the future of finance at your fingertips.
EARN
Maximize your savings growth with 5.00% APY interest, ensuring your money works harder for you.
INVEST
Use powerful portfolio management tools to invest commission-free^. Build your unique portfolio of stocks and ETFs and let advanced automation help power your strategy to achieve your long-term goals.
SPEND
Our M1 Owners Rewards Credit Card offers rewards that align with your spending habits. You can automatically reinvest your rewards to build wealth—even as you spend.
BORROW
Margin lets you tap into the power of your portfolio through a line of credit against your investment account. Qualified brokerage accounts with over $2,000 invested get built-in access to margin. Borrow up to 50% of your portfolio with rates from 7.25%-8.75%*. Pay back on your schedule—there’s no minimum or maximum repayment period.
You can also borrow $2,500–$50,000 over 2-7 years for almost anything. No prepayment penalties, origination fees, or late fees. APRs can vary between 7.99% - 21.75% APR. Rates are not guaranteed and are subject to change. Not all applicants qualify for the lowest available rate.
Example: A borrower receives a loan of $15,000, for a term of 36 months, with an APR of 11.17%. In this example, the borrower will make 36 monthly payments of $429.31 for a total of $17,723.16 ($2,723.16 interest). APR is calculated based on 3-year rates offered in Jan 2024.
DISCLOSURES
See disclosures in the final screenshot above or visit https://m1.com/legal/disclosures
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.
Must be 18+ and US resident to open an account.
Brokerage products and services are not FDIC insured, not bank guaranteed, and may lose value. M1 Finance LLC, Member FINRA / SIPC. Securities in your M1 investment accounts protected up to $500,000. For details, see www.sipc.org.
M1 is not a bank. M1 Savings Accounts and M1 Personal Loans are furnished by B2 Bank NA, Member FDIC and Equal Opportunity Lender, and serviced by M1 Spend LLC, a wholly-owned operating subsidiary of M1 Holdings, Inc.
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.
© Copyright 2024 M1 Holdings Inc.
App distributed by: M1 Finance LLC; 200 N LaSalle St., Ste. 800; Chicago, IL 60601; United States
Please put target allocations back to the way it was on ETFs so we can see what they are actually invested in. Stock/Cash/Open fund % should be in the Profile info...
An absolute rip off. I have never felt so disappointed in a credit line. I used to have lots of respect for these guys but now it's a bust. They canceled the checking account for direct deposit, and now my credit account has been canceled for "Combination of low assets under management with M1 and income". I used to have my paycheck get directly deposited and put all my daily charges through this card. I had over 7k of investments in the account too. This company must be hemorrhaging money.
100 DOLLAR TRANSFER FEE AND 100 DOLLAR CLOSE FEE FOR IRA ACCOUNTS.
Do Not Use M1, I was a investor with them for over two years and all of a sudden they close my credit card without notice and only tell me it because my investment amount $6500 and income is too low around $48000 yearly. They refuse to give me any help, I was a paying customer and they treated me like trash. I can't thrust them with my money anymore and you shouldn't either, which is a shame it was a good brokerage.
This used to be a 5 star review. I really enjoyed the ride while it lasted but im done with M1. There is nothing special about them anymore. I can get fractional shares with no broker fees anywhere now. They just canceled my credit card without warning and the reason provided was lack of assets under management and low income. I was considering bringing my 401k over but Im all set. Maybe ill come back one day. Im not as mad as I am disappointed
I've used the M1 credit card for 5 years now. Yesterday, they closed my account and said it's because of "low assets or income." No heads up or warning. Then, when I call them, they can't give me more information or guidelines as to where the account balance needs to be or how much I "need" to make. When I asked to speak to a supervisor, the service provider hung up on me. DO NOT use M1 if you value your time or money.
Used to be a good company but they closed my credit account with no warning at 12 am and cited an income that I hadn't updated in over 2 years as the reason.
- Bug fixes and improvements
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