What are the differences between lending models?

A lending model is a set of purchasing and borrowing terms for digital content, determined by the publisher.

Many titles in the OverDrive catalog are available in multiple lending models at different prices. You'll select which lending model (or models) you'd like to purchase while shopping in Marketplace. See this help article for tips on choosing a lending model.

If you've built a cart of titles, you can follow these steps to search for those titles across different lending models.

Comparing lending models

This table compares lending models based on how many users can borrow the title at a time and how expiration from your collection is determined.

Lending model Number of users at a time Expiration from collection
One Copy/One User (OC/OU) One Never
Metered Access (MA) by time One After a set period of time
Metered Access (MA) by checkout (one user) One After a set number of checkouts
Metered Access (MA) by checkout (concurrent users) Multiple (up to the number of allotted checkouts) After a set number of checkouts
Metered Access (MA) by earlier of checkouts or time One After a set period of time or number of checkouts (whichever comes first)
Simultaneous Use (SU) Unlimited After a set period of time
Cost Per Circ (CPC) Unlimited (until monthly budget runs out) Never (but can be manually or automatically revoked)
Class Set As many as designated End of Class Set period
On-Demand Class Set (ODCS) Multiple (up to the number of copies owned) End of lending period (once checked out)

See the sections below for more information about each lending model.

Last Updated: 06 February 2024 11:57 AM