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Check your rate for a personal loan

Rates from 7.99% APR2 | Zero fees | Borrow $2,500–$50,000

See loan options with no
impact to your credit score1

Personal Loans with M1 

Rates start at 7.99% APR2

Our multipurpose, fixed-rate loans help you borrow affordably for what you need.   

Absolutely zero 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.

You choose the terms

Borrow $2,500 to $50,000 over 2-7 years for almost anything. Funding is quick, so you can start using your money right away.

Get a lower rate with zero fees

If fees are what’s holding you back, your search for a personal loan ends here.

Zero fees?
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Lending Club

M1 rates are current as of April 2024. Information on competing lenders was accessed from each lender’s website in April 2024.

Get the funds you need, fast

(This won’t impact your credit score.)1

Make life’s big moments more affordable

Low rates and zero fees make M1 Personal Loans the right choice for countless occasions.


Pay off credit card debt or high-interest loans at a better rate.

Home improvement

Fund major updates or repairs around the house.

Major purchases

Pay for things like a new RV, boat, or gym equipment.

Everything else

Cover moving costs, special occasions, and medical bills.

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See your rate in minutes

with no impact to your credit score1

This “prescreened’ offer of credit is based on information in your credit report indicating that you meet certain criteria. You may not receive a loan if after you respond to this offer, we determine that you no longer meet our criteria used to select you for this offer, or if after we verify the information in your application, we determine that you do not meet the other specific criteria established prior to offering you this loan. This offer may be accepted only by the person identified in this offer. M1 reserves the right to modify or discontinue products and benefits based on market conditions and borrower eligibility. 

1 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. 

2 Rates are not guaranteed and are subject to change. Not all applicants qualify for the lowest available rate and rates are subject to credit history, income, term of loan, and other factors. M1 is not a bank. 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.