M1 Personal Loans
Borrow for the things that matter without paying more than you need to. Get a personal loan up to $50,000 at a fixed rate as low as 7.49% APR.1
without impacting your credit score.2
Available to residents of select states.
Personal Loans with M1
Rates start at 7.49% APR1 with M1 Plus
Our multipurpose, fixed-rate loans help you borrow affordably. Every percentage counts when thinking long-term.
Absolutely no fees
You won’t have to pay origination fees, late fees, prepayment fees, or any other hidden fees that would get in the way of your goals.
Designed for you
Borrow up to $50,000 over 2-7 years for almost anything. Funding is quick, so you can start using your money right away.
How our Personal Loans compare
Our flexible loans help you cover costs while spending less.
M1 rates are current as of November 2022. Information on competing lenders was accessed from each lender’s website in November 2022.
Make life’s big moments more affordable
Low rates and no fees make M1 Personal Loans the right choice for countless occasions.
Pay off debts like credit card debt or high-interest loans.
Fund major updates or repairs around the house.
Pay for things like a new RV, boat, or gym equipment.
Cover moving costs, special occasions, and medical bills.
M1 Plus Members get a 1.5% discount1 on Personal Loans
Join M1 Plus before applying to take advantage of this discount.
1 Lowest fixed rates available to M1 Plus members only, subject to credit history, income, term of loan, and other factors. Rates are not guaranteed and are subject to change. Not all applicants qualify for the lowest available rate.
M1 Plus is a paid annual membership that confers benefits for products and services offered by M1 Finance LLC, M1 Spend LLC and M1 Digital LLC, each a separate, affiliated, and wholly-owned operating subsidiary of M1 Holdings Inc. “M1″ refers to M1 Holdings Inc., and its affiliates
2 To see which personal loan rates and terms you qualify for, M1 conducts a soft credit check that will not affect your credit score. However, if you choose to proceed and continue your application, M1 will request a hard credit check from one or more consumer reporting agencies, which may affect your credit score.
3 Rates are not guaranteed and are subject to change. Not all applicants qualify for the lowest available rate.