My question was actually if you need to time. You are allowed to use GPS to fly a NDB approach if it has a GPS overlay.
True, but a "GPS overlay" means the procedure is named "NDB OR GPS RWY xxx", which if that's the case, you didn't mention it in your OP, and yes that would be perfectly okay to fly with only a GPS.
Are you outside the U.S.? There are literally no NDB approaches in the U.S. that don’t have at least a GPS overlay, and most have a standalone RNAV GPS approach serving the runway (or airport, in the case of a circling approach).
The use of a double negative is a bit confusing, but it seems like you are saying "all NDB approaches have overlays". Since "GPS overlay" means "NDB OR GPS RWY xx", your statement that there are none without "OR GPS" is easily proved incorrect. Took me no time at all to find one, KSRE NDB RWY 16. In fact, there are very few "NDB or GPS" procedures in the U.S... I count 7.
AIM 1-1-17, a few pages into that long paragraph:
5. GPS Instrument Approach Procedures
(a) GPS overlay approaches are designated non−precision instrument approach procedures that pilots are authorized to fly using GPS avionics. Localizer (LOC), localizer type directional aid (LDA), and simplified directional facility (SDF) procedures are not authorized.
Overlay procedures are identified by the “name of the procedure” and “or GPS” (e.g., VOR/DME or GPS RWY 15) in the title.
The mere existence of an RNAV (GPS) to the same runway as an NDB approach, or the existence of the NDB approach in a GPS's database, does not make it a "GPS overlay".