Who can apply for GoTyme MoreTyme Installment Credit?
GoTyme MoreTyme Installment Credit is designed for active GoTyme Bank account holders in the Philippines who want a flexible way to manage larger purchases without paying the full amount upfront. Early access to the MoreTyme feature must be available on their account, since the product is currently in a limited rollout phase with a waitlist for new users.
Once a user activates GoTyme MoreTyme Installment Credit through the app, they will be assigned a credit limit based on GoTyme Bank’s internal assessment criteria. This limit may be automatically reassessed in the future as the user demonstrates consistent and timely repayment behavior, encouraging responsible financial management from day one.
Requirements to access GoTyme MoreTyme Installment Credit
✔ Active GoTyme Bank account in good standing
✔ Early access invitation or waitlist approval from GoTyme Bank
✔ Completed user profile within the GoTyme Bank app
✔ Sufficient balance to cover the downpayment at purchase (1/4, 1/6, or 1/12 depending on the plan)
✔ Minimum purchase amount of Php 1,500 per transaction
✔ Use of QRPh as the payment method at participating merchants
A Tip for You!
One of the most underutilized features of GoTyme MoreTyme Installment Credit is the “Save due dates to calendar” tool on the MoreTyme Dashboard. Even though payments are automatically debited, saving your due dates gives you a clear reminder to keep enough funds in your account before each deduction.
If a store you want to shop at doesn’t display a QRPh code in person, check whether the store and products you want are listed on Lazada. If they are, simply add items to your cart and choose QRPh at checkout to trigger the MoreTyme installment option, turning any Lazada purchase into an eligible split-payment transaction.
Building a consistent repayment history with GoTyme MoreTyme Installment Credit is one of the best ways to position yourself for a higher limit in the future. Since limits are reassessed automatically based on usage and repayment behavior, every on-time payment is an investment in your future purchasing power within the GoTyme ecosystem.
What are the fees for GoTyme MoreTyme Installment Credit?
GoTyme MoreTyme Installment Credit offers what it describes as the lowest monthly fees in the Philippine BNPL market, with each user receiving a unique fee displayed clearly at checkout before confirming any purchase. This transparency means you always know your exact cost before committing, a major advantage over traditional credit products where charges can be buried in monthly statements.
The fee structure works alongside the installment plan you choose: Pay-in-4 spreads payments over 90 days, Pay-in-6 covers 150 days, and Pay-in-12, available to select users, extends over 330 days, each with the applicable monthly fee on the outstanding balance.
Since fees are personalized and may vary between users based on GoTyme Bank’s internal assessment, the most reliable way to know your exact rate is to open the app, activate MoreTyme, and proceed to checkout at a participating merchant, where your fee will be shown before you confirm.
How to apply for GoTyme MoreTyme Installment Credit?
Applying for GoTyme MoreTyme Installment Credit starts with downloading the GoTyme Bank app, opening an active account, and waiting for early access to MoreTyme. Once granted, simply navigate to the Credit section, activate MoreTyme, and complete your profile so your credit limit is properly assigned.
After activation, using GoTyme MoreTyme Installment Credit at checkout is simple: visit a participating QRPh merchant, scan the QR code through your app, and choose the installment plan that fits your budget. Your downpayment is debited immediately and the remaining installments follow automatically every 30 days.
If you are ready to experience the full benefits of GoTyme MoreTyme Installment Credit, click the button below to visit the official page, join the waitlist, and take your first step toward a lighter, smarter way to pay.
