M1 Finance Promo Codes — Up to $750 Off

M1 Finance doesn't typically offer traditional discount codes. Instead, their savings come through permanently fee-free services, competitive rates, and referral bonuses that provide ongoing value rather than one-time discounts.

You can earn up to $750 annually through the Invest Bonus referral program ($75 per referral, maximum 10 per year). Alternatively, the APY Boost gives you an extra 0.50% APY for three months, with a maximum of two boosts total.

You need just $100 to open a High-Yield Cash Account and start earning 3.60% APY on your uninvested cash. This makes it accessible for most savers looking to earn more than traditional bank rates.

M1 charges a $3 monthly platform fee, but it's waived if you have $10,000+ in assets or an active Personal Loan. There's also a $50 inactivity fee for small accounts with no activity for 90+ days. Trading and management fees are free for self-directed accounts.

You can borrow up to 50% of your portfolio value at 6.15% interest, with a minimum $2,000 invested per margin account. This lets you access cash without selling investments and triggering capital gains taxes.

Yes, the High-Yield Cash Account earning 3.60% APY can serve as your primary savings account. It's integrated with the investment platform, so you can easily move money between saving and investing as needed.

Investment 'pies' are M1's portfolio management system that automatically maintains your desired asset allocation. They save money by eliminating the need for manual rebalancing trades that would cost fees at other brokers.

Referral bonuses are processed after your referred friend meets the deposit requirements and maintains them for 30 days. The $75 invest bonus has an additional 90-day holding period once received.

Yes, M1's commission-free trading, preset investment templates, and automatic rebalancing make it beginner-friendly. The $100 minimum for the cash account and fee-free structure remove common barriers for new investors.

You can avoid the main $3 monthly fee by maintaining $10,000+ in assets across all your M1 accounts. Trading and management fees are already free for self-directed accounts, making it very cost-effective for active investors.