Stay covered between paychecks and never miss a payment with an interest-free way to pay over time. Sign up in minutes. No credit check.
Add monthly expenses
Link your bank and select the bills and subscriptions you want Otto to pay.
Otto pays for you
With your new virtual Mastercard®, set the payment to autopay and we'll cover it.
Pay as you get paid
Repay in small installments every payday and never pay interest or late fees.
We keep it simple. Just $3 per month for unlimited coverage.
always zero percent
No Fees for Instant
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No Hidden Fees
not even late fees
No Need to "Tip"
those add up fast