Otto | Unlocking the value of your car
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What will my credit line be?

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Otto Credit Cards have credit lines ranging from $500 and $10,000. It depends on a the make, model, mileage, and condition of your car.

Are there any hidden fees?

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Nope, and signing up is free.

Do you check my credit score?

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Nope, and we use alternative underwriting methods.

Is it an actual credit card?

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Yes, the Otto Credit Card is a standard interest rate credit card that can help you build credit.

How do I qualify for the Otto credit card?

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  1. Own your car.
  2. Have an income that can support your monthly bill (We don’t want you going into debt you can’t afford).
  3. Have a smartphone with internet access.

If I miss a payment, do I lose my car?

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If you miss a few payments or pay late, you will not lose your car. We exist to help people get ahead financially, and we want to support you as much as we can. If you can't make payments, give us a call or text us, so we can work with you on a new payment plan. As a lienholder, we can exercise our right to recover an outstanding balance, but this is our last option. Keep in mind that with our low APRs, your minimum monthly payment is likely much smaller than other lenders.

How is this different from a title loan?

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Auto title loans are expensive, don’t build credit, require in-person application, and often trap borrowers in debt.

With the Otto Credit Card, you get a lower interest option that is there when you need it, all from the convenience of your smartphone. You won’t need to reapply, and if you pay the full balance of what you owe on time each month, then you won’t have to pay interest at all.

How long does it take to apply and activate the Otto credit card?

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Applications take less than the time it takes to make a cup of coffee ☕️. Once approved, you will receive your Otto Credit Card in the mail.

How many days do I have to repay?

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You will be billed every 30 days. This is called your Billing Cycle.

Your credit card payment is due 21 days after the day your Billing Cycle ends.

How does Otto make money?

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Otto makes money two ways: through interchange and interest.