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OTO provides the customer with an affordable and convenient financing option to own a two-wheeler. The company aims to provide clients with the hassle-free option to own a vehicle without much commitment. OTO Capital envisions redefining two-wheeler ownership and financing in India. Its platform enables customers with the most affordable and flexible financing plans to own a vehicle in partnership with various banks and NBFCs. With OTO, customers can get instant approval and buy their brand new vehicle in under 30 minutes with zero paperwork along with paying up to 30% less EMI. At the end of the chosen tenure, customers have the flexibility to walk away, or upgrade to another brand-new vehicle, or make a bullet payment to retain it.