GoTyme Bank MoreTyme — loans online in Philippines

MoreTyme is GoTyme Bank’s installment payment feature for eligible users in the Philippines. It allows customers to pay in-store or online through QRPh and split the total into monthly payments.

GoTyme Bank, a regulated bank by the Bangko Sentral ng Pilipinas, is a collaboration between the Gokongwei group of companies and the multi-country digital banking group Tyme.

Loan terms

• Amount: based on your assigned credit limit; public materials mention installment purchases and a credit limit, but the exact universal limit is not stated on the main page.
• Term: up to 6 payments on the main page; selected users may also qualify for Pay-in-12.

Borrower requirements

To use MoreTyme, the borrower generally needs to be:

• An active GoTyme Bank user.
• A user with an activated MoreTyme account in the app.
• A customer who shops at a QRPh-accepting merchant.
• A user who may need to meet internal eligibility checks for expanded terms like Pay-in-6 or Pay-in-12.

How to get the loan

1. Download the GoTyme Bank app and create an account.
2. Open the app and activate MoreTyme.
3. Check whether your account is eligible for installment purchases.
4. Go to a participating merchant that accepts QRPh.
5. At checkout, choose QRPh and select MoreTyme as the payment option.
6. Review the installment plan and confirm the purchase.
7. Pay the downpayment, then the rest is split into scheduled installments.

How to repay the loan

MoreTyme repayments are automatically deducted from your GoTyme Bank account balance on the scheduled dates. The main MoreTyme page says payments are arranged over monthly installments, with examples showing 30-day intervals.

To avoid missed payments, keep enough balance in your GoTyme account before each due date. If you use expanded terms, remember that Pay-in-6 and Pay-in-12 are available only to select users.