Overtime will not be available as of October 13, 2021. New and improved buy now, pay later offering coming soon!

Exclusive Access

Overtime Is Coming

Be the first to know when we launch our flexible payment plan.

MoneyLion is a financial technology company, not a bank. 
RoarMoney℠ is powered by MetaBank®, N.A., Member FDIC


Buy Now. Pay Later

Overtime is currently available on an invite-only basis.

buy the things you need

Buy the things you need.
Pay for them over time

Need new shoes, a phone, last-minute groceries, or a new toaster for your home? Look no further — we’ve got you covered. Just sign up today to be on the waiting list for this invite-only opportunity.

Take on the unexpected with Overtime

Set up a repeating direct deposit with your RoarMoney℠ account, and you’ll be able to take out a $50 – $600 zero-fee installment loan.

take on the
make four simple payments

Make four simple payments

Need new shoes, a phone, last-minute groceries, or a new toaster for your home? Look no further we’ve got you covered. Just sign up today to be on the waiting list for this invite-only opportunity.

With your MoneyLion
Debit Mastercard®

You can earn the ability to enjoy flexible payments on anything made in the last seven days that is over $50.

moneylion debit mastercard

Get the breathing room you need

You get at least two weeks to up to a month before you make your first payment.


What is Overtime?

Overtime is our exciting new loan product. With Overtime, you can get a 0% APR installment loan of up to $600 whenever you need it. Overtime is designed to help you pay for eligible purchases made on your MoneyLion Debit Mastercard® over a series of 4 installments. There is no interest and no monthly fee required to access Overtime!

Overtime loans have an annual percentage rate (APR) of 0%. A soft credit pull will be conducted which has no impact on your credit score. Overtime loans are made by either exempt or state-licensed subsidiaries of MoneyLion Inc. May not be available in all states. Additional terms and conditions may apply.

How do I get Overtime?

Overtime is currently available to our customers on an invite-basis only. Invitees will receive an email inviting them to try out our new product, and will be able to see Overtime from one of the following ways in the MoneyLion app:

  • Go to the “Loans” tab, in the “Marketplace section”, you can tap “Overtime”.
  • Go to the “Accounts” tab, tap on “RoarMoney” and scroll down until you see Overtime.
  • Click on the push notification on your phone’s locked screen after using your MoneyLion Debit Mastercard® or RoarMoney virtual card to make an eligible purchase.

Once you see Overtime, you can continue on to see if you qualify.

To qualify, you will need a RoarMoneySM account with a positive balance, have made eligible purchases using your MoneyLion Debit Mastercard®, and pass our underwriting and identity verification checks.

How much does Overtime cost?

At this time, Overtime is available to our customers on an invite-basis only. Our invitees can access Overtime at no cost. There’s no monthly fee and no interest. Tips are absolutely optional, and do not impact your eligibility for Overtime or your Overtime loan limit whatsoever.

You do have the option of deferring the scheduled due date for one or two installment payments, depending on the frequency of your scheduled payments. You will incur a fee per deferred payment, which will be added to your next scheduled installment payment. It’s simple to do in the MoneyLion app by clicking on the “Defer” tab of the Overtime screen.

Missed or late loan payments may result in a late fee, if the lateness is not cured within the grace period, which varies depending on your state of residence. Late fees will be applied to your next installment payment.


How do I make a payment?

If you opted in to autopay, then your next installment payment will be automatically deducted from your designated payment method on or after your next scheduled due date. Updating or adding a new payment method is easy from the app! Go to the “Loans” tab of the app, choose “Active”, select the loan for which you want to update the payment method, and then tap the “Paid from” button. You can then choose one of the payment methods or add a payment method. We only accept bank accounts as payment methods for autopay.

You can also make manual payments in the app by clicking “Repay” once you see your active Overtime loan. We accept payments by debit card, ACH, personal check, money order issued by MoneyGram International or Western Union, or by certified or official check by a financial institution insured by the FDIC or NCUA.

How soon will I receive my Overtime funds?

If you have been approved for Overtime, you will receive funds the same day you complete your application, typically in less than 30 minutes. The money will be deposited directly into your RoarMoney℠ account.

How is my outstanding balance calculated?

When you apply for an Overtime loan, you’re presented with options to help meet your needs, and your choices may affect your outstanding amount:

  • First, you can choose the MoneyLion Debit Mastercard® transaction you want to split into 4 payments. The amount of this transaction will determine your loan amount.
  • Second, you can choose to leave an optional Tip.

In case you select to defer a payment, you may incur a deferral fee. In the unexpected event that you miss a payment and do not make it up in full within the grace period applicable to you, you may be charged a late fee.

Overtime sounds great! But when can I access it?

We are as excited as you about our new product. At this time, Overtime is available to our customers on an invite-basis only. Get the inside scoop on when Overtime will become more broadly available by joining our waitlist.

Have More Questions?

Read More FAQs

Join the Overtime Waitlist