Jul 2026 Promo Margin Discount Terms and Conditions 

You must agree to the following terms and conditions in order to be eligible for this Promotion. These Margin Promotional Rate Terms and Conditions are in addition to the M1 Brokerage Customer Account Agreement and the M1 Margin Risk Disclosure. 

Promotion Period: August 3, 2026 through September 30, 2026. 

Beginning on the first day of the Promotion Period, an eligible new M1 client (“Eligible New Client”) who successfully satisfies the below applicable requirements can receive a 1.66% (one and sixty-six hundredths percent) margin percentage rate reduction from M1’s Standard Margin Rate1 (the “Promotional Rate”) on their margin balance for up to 12 (twelve) months beginning on the Eligible New Client’s Opt-in Date (“Promotional Term”) (the “Promotion”). “Eligible New Client” is only a new client who: 

  1. Successfully submits a valid email and password creating an M1 user login for the first time; 
  2. Receives an invitation directly from M1 for this Promotion during the Promotion Period; 
  3. Explicitly opts in to the Promotion by clicking on the unique hyperlink (or button) in their direct invitation (“Opt-in Date”) prior to the Promotion expiry date (“Offer Expiry Date”);  
  4. Agrees to M1 Brokerage Customer Account Agreement and the M1 Margin Risk Disclosure;  
  5. Successfully opens and funds a margin eligible brokerage account cleared with M1 Finance LLC (“Eligible Account”) 2; and  
  6. Is margin eligible3 with at least $2,000 invested per eligible account.  

M1 reserves the right to modify or terminate this Promotion at any time without notice. M1 has no obligation to grant the Promotional Rate to any particular person, regardless of that person’s participation in any promotional program, and may accept or reject an application in its sole discretion. All eligibility decisions shall be made by M1 in its sole discretion.  

Exclusion: In the event you are earning the Promotional Rate and thereafter, open a margin eligible account introduced by M1 and cleared by Apex Clearing during the Promotional Term, you forfeit the right to continue earning the Promotional Rate for the rest of the Promotional Term on your Eligible Account. 

Without limiting the foregoing, M1 shall have sole discretion to determine whether to disqualify any person from receiving a Promotional Rate or otherwise participating in the Promotion for any reason, including but not limited to if M1 determines, in its sole discretion, that fraudulent activity or a violation of the terms of the Promotion or your account agreement may have occurred. In the event M1 disqualifies you from the Promotion after the Promotional Rate has applied, M1 reserves the right to recapture the amount of reduced interest attributable to the Promotional Rate to the maximum extent permitted by law.  All federal, state, and local taxes and any related fees and expenses are the sole responsibility of the Eligible New Client. By participating in this Promotion, you acknowledge that you have read, understood, and agree to these Margin Promotional Rate Terms and Conditions.  

1 Standard Margin Rate subject to change without notice. Please visit the M1 website for margin rate information.

2 The following accounts are ineligible for this Promotion and thus not an Eligible Account: Retirement, Custodial, Trusts, LLCs and any accounts cleared with Apex Clearing Corporation. For information on how your account is clear, please review your account agreement or statement.

3 M1 Margin Loans are available on margin accounts with at least $2,000 invested per account. Not all securities are available for M1 Margin Loans and the amount that may be borrowed against a security is subject to change without notice.  Available margin amount(s) of M1 Margin Loans may require greater than $2,000 per Brokerage Account. Always consider the risks before using Margin. To learn more, see our margin account risk disclosure. 

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