What Is EPP (Easy Payment Plan)? How to Use It to Renew Your Car Insurance

Want to buy something expensive but don’t want to pay it all at once? You can now use the EPP (Easy Payment Plan) — an easy and budget-friendly instalment method!

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What Is EPP?

Traditional EPP allows you to pay in instalments over 6–36 months, usually via credit card, with 0% interest. However, some banks or merchants may charge a one-time processing fee.

Which Banks Support EPP?

Several banks offer EPP options via Bjak, depending on your insurance purchase amount and preferred instalment duration:

RHB
AmBank
Hong Leong Bank
Public Bank
UOB
OCBC
AFFIN
HSBC
Standard Chartered
Maybank

How to Use EPP on Bjak

Visit Bjak to get a quote.
Select your vehicle type and fill in personal & car details.
After receiving your quote, choose an insurance plan.
Select EPP as your payment method using a credit card.
Choose your instalment duration (based on your bank & amount).
Enter your credit card details to proceed.
Once approved by the bank, your payment will automatically be split into monthly bills.

Benefits of Using EPP

Budget-Friendly – Avoid lump-sum payments and better manage cash flow.
Easy & Automated – Monthly charges are auto-deducted from your credit card.

Summary of Benefits & Limitations

Method Instalment Duration Card Type Interest Fees Minimum Spend
BNPL 3–4 months Debit / Credit (any) 0% None None
EPP 6–36 months Selected Credit Cards 0% One-time fee ~RM500+

Summary of Benefits & Limitations

Important Notes

Subject to each bank & merchant’s terms.
Interest charges may apply for late payments.
Credit cards only – Not available for debit cards or standard loans.

Frequently Asked Questions (FAQ)

1. Do I need to apply manually with the bank?
No, if your card is eligible, the EPP can be activated directly on the payment page (e.g. via Bjak).

2. Can I use a debit card?
No, EPP is available only for credit cards.

3. Are there any hidden charges?
No hidden fees if you pay on time. However, late payments may incur penalties from the bank.

Conclusion

Using EPP via Bjak is a smart way to pay for your insurance and road tax in instalments without straining your monthly budget. It’s convenient, fast, and flexible!

Get Your Free Quotation

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