{"id":38313,"date":"2023-05-26T17:06:47","date_gmt":"2023-05-26T09:06:47","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=38313"},"modified":"2025-09-12T19:26:15","modified_gmt":"2025-09-12T11:26:15","slug":"bjak-buy-now-pay-later","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/featured\/bjak-buy-now-pay-later","title":{"rendered":"Bjak Buy Now Pay Later: 6 Benefits Of Using It"},"content":{"rendered":"\n<p>Renewing your <a href=\"https:\/\/bjak.my\/blog\/types-of-car-insurance-policies-learn-the-differences\/\">car insurance<\/a> and road tax annually can be a hassle, especially when running short of cash. With Malaysia&#8217;s deteriorating economic situation, many are finding it hard to make ends meet. <\/p>\n\n\n\n<p>So, in times like this, financial planning is crucial. But mandatory expenses like car insurance and road tax renewal can burden some. That&#8217;s why insurance comparison platforms like Bjak offer the Buy Now Pay Later (BNPL) option that makes it easier to manage your bills.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_50 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Contents =<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-69d8ffb995cad\" aria-hidden=\"true\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999999;color:#999999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999999;color:#999999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d8ffb995cad\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/featured\/bjak-buy-now-pay-later\/#Why_Bjak_Buy_Now_Pay_Later\" title=\"Why Bjak Buy Now Pay Later?\">Why Bjak Buy Now Pay Later?<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/featured\/bjak-buy-now-pay-later\/#0_interest\" title=\"0% interest\">0% interest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/featured\/bjak-buy-now-pay-later\/#Three_instalment_payments\" title=\"Three instalment payments\">Three instalment payments<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/featured\/bjak-buy-now-pay-later\/#No_credit_card_needed\" title=\"No credit card needed\">No credit card needed<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/featured\/bjak-buy-now-pay-later\/#No_minimum_spending\" title=\"No minimum spending\">No minimum spending<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/featured\/bjak-buy-now-pay-later\/#Instant_renewal\" title=\"Instant renewal\">Instant renewal<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/featured\/bjak-buy-now-pay-later\/#Open_to_all\" title=\"Open to all\">Open to all<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/featured\/bjak-buy-now-pay-later\/#Benefits_of_using_Bjak_Buy_Now_Pay_Later\" title=\"Benefits of using Bjak Buy Now Pay Later\">Benefits of using Bjak Buy Now Pay Later<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Why_Bjak_Buy_Now_Pay_Later\"><\/span>Why Bjak Buy Now Pay Later?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>To those of you who don&#8217;t know, Bjak has been offering the BNPL option as a mode of payment for car insurance and road tax renewal <a href=\"https:\/\/bjak.my\/blog\/buy-now-pay-later-at-bjak\/\" target=\"_blank\" rel=\"noreferrer noopener\">since 2021<\/a>. This service is possible with an exclusive partnership with Atome, a financial company that offers instalment payment options for people.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"35294\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-how-to-enjoy-installments-at-0-interest\/attachment\/photo_2022-11-02-14-27-17\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/11\/photo_2022-11-02-14.27.17.jpeg?fit=1600%2C1012&amp;ssl=1\" data-orig-size=\"1600,1012\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"photo_2022-11-02 14.27.17\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/11\/photo_2022-11-02-14.27.17.jpeg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/11\/photo_2022-11-02-14.27.17.jpeg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/11\/photo_2022-11-02-14.27.17.jpeg?resize=1080%2C683&#038;ssl=1\" alt=\"Bjak Buy Now Pay Later Service\" class=\"wp-image-35294\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/11\/photo_2022-11-02-14.27.17.jpeg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/11\/photo_2022-11-02-14.27.17.jpeg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/11\/photo_2022-11-02-14.27.17.jpeg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/11\/photo_2022-11-02-14.27.17.jpeg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/11\/photo_2022-11-02-14.27.17.jpeg?resize=854%2C540&amp;ssl=1 854w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/11\/photo_2022-11-02-14.27.17.jpeg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>If you&#8217;re a frequent user of this platform, you&#8217;d probably already know how it works and some of its benefits. With Atome now available on Bjak, you can have the following benefits when you renew your car insurance and road tax.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"0_interest\"><\/span>0% interest<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>It&#8217;s common for most instalment plans to charge customers a certain interest for the agreed payment duration. This is mostly done for learning profit. <\/p>\n\n\n\n<p>But with Bjak&#8217;s BNPL, no interest is charged towards customers. If your total bill is RM900, you will only pay the full RM900 at the end of the payment cycle without additional charges.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Three_instalment_payments\"><\/span>Three instalment payments<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Atome splits your bill into three equal payments for a tenure of three months. Let&#8217;s say you renewed your car insurance using Bjak&#8217;s BNPL; the total bill is RM1200. <\/p>\n\n\n\n<p>Instead of paying the full bill in one go, you will pay RM400 for the first month and the remaining RM800 for the next two months. The payment cycle will be set by Atome, depending on your transaction date. <\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"No_credit_card_needed\"><\/span>No credit card needed<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>You don&#8217;t need to own a credit card to use Bjak&#8217;s BNPL. The payment option is available even if you don&#8217;t have a credit card. However, you will need a debit card so Atome can perform monthly deductions from your account when the payment is due. <\/p>\n\n\n\n<p>Compared to credit cards, debit cards are a form of contactless payment that most people have these days. So it&#8217;s less of a hassle. <\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"No_minimum_spending\"><\/span>No minimum spending<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>There is no minimum spending if you want to use this payment method. In other words, you can use it to renew any car, motorcycle insurance, and road tax. Regardless of your transaction amount, you can easily select BNPL at checkout to complete the renewal. <\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Instant_renewal\"><\/span>Instant renewal<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Using Bjak&#8217;s Buy Now Pay Later guarantees instant vehicle insurance and road tax renewal. You can renew now and get the digital road tax and the insurance cover note within the same day. <\/p>\n\n\n\n<p>Compared to a physical renewal, the BNPL option saves time, and you don&#8217;t need to worry about settling the full payment in one go.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Open_to_all\"><\/span>Open to all<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Bjak&#8217;s BNPL is open to all Malaysians. If you are a car or motorcycle owner, you can use this service to renew your vehicle&#8217;s insurance and road tax. There is no additional information requirement to use this service. <\/p>\n\n\n\n<p>Since Bjak strives to make <a href=\"https:\/\/bjak.my\/blog\/renew-roadtax\/\">road tax<\/a> and insurance renewal less of a burden for Malaysians, the BNPL payment option is available for everyone to try out.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Benefits_of_using_Bjak_Buy_Now_Pay_Later\"><\/span>Benefits of using Bjak Buy Now Pay Later<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Renewing car and motorcycle insurance and road tax has never been easier. Bjak&#8217;s BNPL creates a win-win situation for vehicle owners and insurance companies. <\/p>\n\n\n\n<p>If you&#8217;d like to read more on how to BNPL, click <a href=\"https:\/\/bjak.my\/blog\/renew-insurance-enjoy-up-to-rm75-off-with-bnpl-at-bjak\/\" target=\"_blank\" rel=\"noreferrer noopener\">here<\/a> to find out. Remember to share this info with your family and friends.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><em>Bjak is one of Malaysia&#8217;s biggest insurance comparison websites, offering policies from over 10 brands. Get your free insurance quote from Bjak today!<\/em><\/p>\n\n\n\n<div class=\"wp-container-1 wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-black-color has-luminous-vivid-amber-background-color has-text-color has-background\" href=\"https:\/\/bjak.my\/en?utm_source=blogen&amp;utm_campaign=bjak-buy-now-pay-later\" target=\"_blank\" rel=\"noreferrer noopener\"><strong data-l-s=\"54433\">Get A Quote<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p><em>Read more:<\/em><\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/car-insurance-premium\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><em>Why Your Car Insurance Premium Can Go Up?<\/em><\/strong><\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/car-insurance-deductible\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><em data-l-s=\"27527\">What Is Car Insurance Deductible And How Does It Work?<\/em><\/strong><\/a><\/li><li><strong><em><a href=\"https:\/\/bjak.my\/blog\/msig-car-insurance\/\">Why You Should Consider Getting MSIG Car Insurance<\/a><\/em><\/strong><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Find out the benefits of using Bjak Buy Now Pay Later (BNPL) to renew your car insurance and road tax in Malaysia.<\/p>\n","protected":false},"author":19,"featured_media":38337,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","spay_email":""},"categories":[503],"tags":[596,429,59,952],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bjak Buy Now Pay Later: 6 Benefits Of Using It<\/title>\n<meta name=\"description\" content=\"Find out the benefits of using Bjak Buy Now Pay Later (BNPL) to renew your car insurance and road tax in Malaysia.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bjak.my\/blog\/featured\/bjak-buy-now-pay-later\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bjak Buy Now Pay Later: 6 Benefits Of Using It\" \/>\n<meta property=\"og:description\" content=\"Find out the benefits of using Bjak Buy Now Pay Later (BNPL) to renew your car insurance and road tax in Malaysia.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/featured\/bjak-buy-now-pay-later\" \/>\n<meta property=\"og:site_name\" content=\"BJAK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bjak.my\" \/>\n<meta property=\"article:published_time\" content=\"2023-05-26T09:06:47+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-12T11:26:15+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/05\/BLOG-EN-5-26-2.jpg?fit=1600%2C1012&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"1012\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:site\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Siva\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/bjak.my\/blog\/#organization\",\"name\":\"Bjak\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/bjak.my\",\"https:\/\/www.instagram.com\/bjak.my\",\"https:\/\/www.linkedin.com\/company\/14607755\/admin\/\",\"https:\/\/twitter.com\/bjakmy\"],\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"width\":756,\"height\":756,\"caption\":\"Bjak\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/bjak.my\/blog\/#website\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"name\":\"BJAK\",\"description\":\"Renew your car and motor insurance at the lowest price! 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