Editor’s Note: Overdraft Apps provides detailed product reviews and recommendations based upon extensive research and our own hands-on testing. We may earn a referral fee when you sign up for or purchase products mentioned in this article.
- KOHO Review: No-Interest Cash Advances up to $250 - October 1, 2025
- Super.com Cash Advance Review: Up to $250 - January 30, 2024
- OttoPay Review: Out of Business (2026) - November 29, 2023
Updated July 2026.
OttoPay (also called Otto) is out of business and no longer accepting new customers. This page keeps a short summary of what the product was, for people who still find our OttoPay review through search.
OttoPay was a debt-management app. It pulled credit accounts into one dashboard (without a hard credit check at signup), suggested payoff strategies, and offered coaching-style guidance to help people pay down balances. There was a free tier plus paid plans for more hands-on help. We reviewed it as an alternative to generic budgeting apps and debt-consolidation pitches.
Because OttoPay has shut down, signup and affiliate links no longer work. If you still have OttoPay-related charges, emails, or credit-report tradelines, contact your card issuers or the credit bureaus. Overdraft Apps cannot close OttoPay accounts or issue refunds.
Need a loan or cash while you dig out of debt?
If you came here looking for money to catch up on bills, compare offers on PockBox. It can show personal loan options up to a few thousand dollars, which is often more useful than a small cash advance when balances are already high. Loan APRs vary, so compare total cost before you borrow.
Compare loan offers on PockBox
For smaller short-term advances from apps we still track, see the cash advance apps directory.
Related reading
- KOHO Review: No-Interest Cash Advances up to $250 - October 1, 2025
- Super.com Cash Advance Review: Up to $250 - January 30, 2024
- OttoPay Review: Out of Business (2026) - November 29, 2023
