Introduction
If your car is still under a bank loan, renewing the roadtax works a little differently compared to a fully paid vehicle. If your car is still under a bank loan, renewing the roadtax works a little differently compared to a fully paid vehicle. Many owners try to renew the roadtax on their own — but because the bank still holds the original Vehicle Ownership Certificate (VOC), they can’t complete it directly. You’ll need to follow a few extra steps first. Let’s break down how to renew a hire purchase car roadtax the right way, including what documents to prepare, how the bank fits into the process, and the fastest way to get everything done online.
1. Why You Can’t Renew Directly
When a car is still financed, the bank or credit company keeps the original VOC as collateral.
So, when renewing your roadtax, JPJ’s system requires confirmation from the bank that your new insurance policy is already active.
That’s why you can’t just walk into JPJ or Pos Malaysia to renew without getting verification from the bank first.
2. Required Documents
Before renewing, make sure you’ve prepared these important documents:
- A copy of your latest insurance cover note
- A copy of the owner’s IC
- Vehicle registration number
- Loan details or the bank’s name (the legal owner)
Some banks may also require a Release Letter or Consent Letter, depending on their internal policy.
3. Steps to Renew Hire Purchase Car Roadtax via Bank
Here’s the typical process:
- Renew your car insurance first – Ensure your car and owner details match JPJ’s records.
- Send your insurance policy copy to the bank – Through email, customer portal, or branch submission.
- Bank verifies and releases the digital grant (eVOC) – Usually takes 1–2 working days.
- Renew roadtax through your preferred platform – Such as BJAK, MyJPJ, or Pos Malaysia.
If everything matches correctly, you’ll receive your digital e-roadtax instantly without needing the physical grant.
4. Easier With Online Renewal
Nowadays, most banks allow you to complete the entire process online.
For instance, when you buy insurance via BJAK, the system automatically sends your policy to the bank and helps activate your e-roadtax once approved.
Benefits of renewing through BJAK include:
- No need to visit the bank counter
- Automatic policy submission to JPJ
- e-Roadtax activation right after approval
Just ensure there are no outstanding loan payments or JPJ restrictions — otherwise, the system will hold your renewal until issues are resolved.
5. Processing Time & Extra Charges
On average, the whole process takes 1–3 working days, depending on bank approval time.
Typical costs:
- BJAK online renewal: Around RM10 extra if you choose physical roadtax delivery
- JPJ or Pos Malaysia renewal: Standard fees + longer waiting time
If you want a faster, hassle-free option, renewing online is definitely the more practical choice.
Conclusion
In short, renewing a hire purchase car roadtax involves a few extra steps — but it’s not complicated once you know the process.
Just renew your insurance, send it to the bank, wait for approval, and activate your e-roadtax — all done within a few days.For the fastest experience, do it through BJAK.my. Everything can be handled digitally without stepping out of your house or visiting the bank.
Read More:
Renew Roadtax Using MyJPJ, Pros and Cons
