Autopay on your schedule, not theirs.

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.

Get Started
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Otto pays your bills today, you pay later.

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.

Get Started

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.

Autopay on your schedule, not theirs.

Enjoy the convenience and reliability of traditional autopay, but without the fees and constant charges that drain your account.

Avoiding fees is easy when you pay with Otto.

Otto automatically pays bills as they become due and allows you to pay later when it's best for your budget.

Better than credit.

Pay over time with no credit checks and interest-free payments aligned to payday.

Safer than debit.

Otto’s virtual cards shield your real account from overdrafts, fraud, and late fees.

Track, manage and pay in one app.

Everything you need to manage bills, control subscriptions, and automate on-time payments, with just one click.

Enjoy total control with enhanced security.

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Unique card numbers

The only way to stay protected from overdraft charges, fraud, and late fees.
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Fee protection

We guarantee you'll never get another overdraft or late fee - or we'll pay it!
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Automatic budgeting

Always know how much you can spend while still covering all your bills.
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Instant notifications

Track expenses and get instant alerts if you need help covering a bill.
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Pause with one-click

Freeze payments when you need a break, then reactive with one-click.
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Try before you buy

End free trials automatically and never fear getting that unwanted charge.

All this and more for one low monthly fee.

We keep it simple. Just $3 per month for unlimited coverage.

No Interest

always zero percent

No Fees for Instant

get help in seconds

No Hidden Fees

not even late fees

No Need to "Tip"

those add up fast