GoTyme Bank app on phone

What is MoreTyme?

MoreTyme gives you the freedom to buy what you need now and pay it off over 3 instalments; without interest, without fees, and without stress.

Because life doesn’t always line up perfectly with payday.

MoreTyme gives you room to move without debt traps, hidden costs, or complicated rules. It’s flexible, fair, and designed to help you keep your own momentum, without losing control.

It’s built into your GoTyme Bank app and is designed to work quietly in the background, so your money flows and your plans don’t have to wait.

It’s not credit. It’s not a lay-by. It’s just everyday flexibility, done right.

You take your purchase home straight away and, as long as you pay on time, you’ll never pay more than the original price. No interest. No monthly fees. No fine print.

Person using at store
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Using MoreTyme costs nothing extra.

There’s no interest, no activation fee, and no monthly fee. If a payment is missed, a late fee and interest may apply, and we’ll always be upfront about it. No surprises. Ever.

If you return something bought with MoreTyme, the store’s return policy applies. Once the retailer processes the refund, we automatically adjust your payment plan.

Your GoTyme Bank benefits stay exactly the same. MoreTyme doesn’t affect your GoalSave interest, everything just keeps working quietly in the background, just like it should.

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Couple using GoTyme Bank app