{"id":48365,"date":"2025-07-01T21:46:39","date_gmt":"2025-07-01T13:46:39","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=48365"},"modified":"2025-07-04T20:02:40","modified_gmt":"2025-07-04T12:02:40","slug":"buy-now-pay-later-bnpl-untuk-insurans-kereta-berbaloi-atau-tidak","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/buy-now-pay-later-bnpl-untuk-insurans-kereta-berbaloi-atau-tidak","title":{"rendered":"Buy Now Pay Later (BNPL) Untuk Insurans Kereta \u2013 Berbaloi atau Tidak?"},"content":{"rendered":"\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-69e958aaa2c0a\" 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-69e958aaa2c0a\"><\/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\/insurans-kereta\/buy-now-pay-later-bnpl-untuk-insurans-kereta-berbaloi-atau-tidak\/#BNPL_Untuk_Insurans_Kereta_%E2%80%93_Berbaloi_atau_Tidak\" title=\"BNPL Untuk Insurans Kereta \u2013 Berbaloi atau Tidak?\">BNPL Untuk Insurans Kereta \u2013 Berbaloi atau Tidak?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/buy-now-pay-later-bnpl-untuk-insurans-kereta-berbaloi-atau-tidak\/#Apa_Itu_BNPL\" title=\"Apa Itu BNPL?\">Apa Itu BNPL?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/buy-now-pay-later-bnpl-untuk-insurans-kereta-berbaloi-atau-tidak\/#_Kesimpulan_Bila_BNPL_Berbaloi\" title=\"&nbsp;Kesimpulan: Bila BNPL Berbaloi?\">&nbsp;Kesimpulan: Bila BNPL Berbaloi?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"BNPL_Untuk_Insurans_Kereta_%E2%80%93_Berbaloi_atau_Tidak\"><\/span><strong>BNPL Untuk Insurans Kereta \u2013 Berbaloi atau Tidak?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Nak renew insurans kereta tapi bajet bulan ini ketat? Jangan risau, anda kini boleh guna kaedah BNPL (Buy Now, Pay Later) \u2014 bayar kemudian dalam bentuk ansuran, tanpa caj faedah. Tapi\u2026 adakah ia benar-benar berbaloi?<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apa_Itu_BNPL\"><\/span><strong>Apa Itu BNPL?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>BNPL (Buy Now, Pay Later) ialah kaedah pembayaran ansuran jangka pendek, biasanya dalam 3 bulan, di mana anda hanya perlu bayar 1\/3 dahulu, dan bakinya dibayar dalam 2 bulan berikutnya.Platform seperti <a href=\"https:\/\/bjak.my\/\">Bjak <\/a>menggunakan penyedia BNPL seperti Atome, yang membolehkan anda renew insurans atau roadtax secara ansuran tanpa faedah.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"48366\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/buy-now-pay-later-bnpl-untuk-insurans-kereta-berbaloi-atau-tidak\/attachment\/copy-of-featured-images-blog-template-14\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Copy-of-Featured-Images-Blog-Template-14.jpg?fit=1708%2C1080&amp;ssl=1\" data-orig-size=\"1708,1080\" 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;1&quot;}\" data-image-title=\"Copy-of-Featured-Images-Blog-Template-14\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Copy-of-Featured-Images-Blog-Template-14.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Copy-of-Featured-Images-Blog-Template-14.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Copy-of-Featured-Images-Blog-Template-14.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Kelebihan Menggunakan BNPL Untuk Insurans\n\nMenggunakan kaedah BNPL (Buy Now Pay Later) untuk membeli insurans kenderaan menawarkan banyak manfaat terutamanya dari segi kemudahan dan kos. Pertama sekali, anda hanya perlu membayar bayaran pertama yang rendah \u2013 contohnya jika premium insurans berjumlah RM900, anda hanya perlu bayar RM300 dahulu. Selain itu, BNPL yang ditawarkan oleh ATOME melalui Bjak adalah tanpa faedah (0% faedah) dan tidak mengenakan sebarang caj tersembunyi, menjadikan jumlah bayaran akhir sama seperti harga asal. Kaedah ini juga tidak memerlukan kad kredit, sebaliknya boleh digunakan dengan kad debit biasa \u2013 sesuai untuk mereka yang tiada kad kredit. Yang paling menarik, anda akan menerima perlindungan insurans serta-merta walaupun hanya membuat bayaran sebahagian. Ini menjadikan BNPL satu pilihan bijak untuk mereka yang mahu perlindungan segera tanpa beban kewangan awal yang besar.\" class=\"wp-image-48366\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Copy-of-Featured-Images-Blog-Template-14.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Copy-of-Featured-Images-Blog-Template-14.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Copy-of-Featured-Images-Blog-Template-14.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Copy-of-Featured-Images-Blog-Template-14.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Copy-of-Featured-Images-Blog-Template-14.jpg?w=1708&amp;ssl=1 1708w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img data-attachment-id=\"48367\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/buy-now-pay-later-bnpl-untuk-insurans-kereta-berbaloi-atau-tidak\/attachment\/copy-of-featured-images-blog-template-15\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Copy-of-Featured-Images-Blog-Template-15.jpg?fit=1708%2C1080&amp;ssl=1\" data-orig-size=\"1708,1080\" 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;1&quot;}\" data-image-title=\"Copy-of-Featured-Images-Blog-Template-15\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Copy-of-Featured-Images-Blog-Template-15.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Copy-of-Featured-Images-Blog-Template-15.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Copy-of-Featured-Images-Blog-Template-15.jpg?resize=806%2C509&#038;ssl=1\" alt=\"Kekurangan &amp; Risiko BNPL\n\nWalaupun BNPL menawarkan banyak kelebihan, ia juga datang dengan beberapa kekurangan yang perlu dipertimbangkan. Salah satunya ialah tempoh ansuran yang pendek, biasanya hanya 3 bulan. Jika anda mencari pelan bayaran lebih panjang seperti 6 hingga 12 bulan, BNPL mungkin tidak sesuai. Selain itu, terdapat risiko dikenakan caj lewat sekiranya anda gagal membuat bayaran tepat pada masanya \u2014 ini bukan sahaja melibatkan kos tambahan, malah boleh menjejaskan rekod kewangan anda. Akhir sekali, walaupun bayaran bulanan nampak kecil, ia tetap merupakan komitmen kewangan tambahan. Jika tidak diurus dengan baik, ia boleh menyebabkan anda terlebih belanja dan terbeban secara kewangan. Maka, penting untuk merancang bajet sebelum memilih kaedah ini.\" class=\"wp-image-48367\" width=\"806\" height=\"509\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Copy-of-Featured-Images-Blog-Template-15.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Copy-of-Featured-Images-Blog-Template-15.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Copy-of-Featured-Images-Blog-Template-15.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Copy-of-Featured-Images-Blog-Template-15.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Copy-of-Featured-Images-Blog-Template-15.jpg?w=1708&amp;ssl=1 1708w\" sizes=\"(max-width: 806px) 100vw, 806px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"48368\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/buy-now-pay-later-bnpl-untuk-insurans-kereta-berbaloi-atau-tidak\/attachment\/copy-of-featured-images-blog-template-13\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Copy-of-Featured-Images-Blog-Template-13.jpg?fit=1708%2C1080&amp;ssl=1\" data-orig-size=\"1708,1080\" 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;1&quot;}\" data-image-title=\"Copy-of-Featured-Images-Blog-Template-13\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Copy-of-Featured-Images-Blog-Template-13.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Copy-of-Featured-Images-Blog-Template-13.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Copy-of-Featured-Images-Blog-Template-13.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Perbandingan: BNPL vs EPP\n\nBNPL dan EPP adalah dua kaedah ansuran yang popular, tetapi terdapat beberapa perbezaan utama antara keduanya. BNPL melalui Bjak menawarkan tempoh ansuran pendek selama 3 bulan, manakala EPP (Easy Payment Plan) menggunakan kad kredit dan menyediakan tempoh yang lebih panjang, antara 6 hingga 36 bulan. Dari segi faedah, kedua-duanya biasanya menawarkan 0% faedah, namun EPP kadangkala datang dengan caj sekali bergantung kepada bank. Untuk BNPL, anda boleh menggunakan kad debit atau kredit, manakala EPP memerlukan kad kredit sahaja dan kelulusan daripada pihak bank. BNPL lebih mudah diluluskan \u2013 cukup dengan pengesahan IC, manakala EPP memerlukan permohonan rasmi ke bank. Kedua-dua kaedah mempunyai caj lewat bayar, jadi pengguna harus memastikan bayaran dibuat tepat waktu untuk mengelakkan denda.\" class=\"wp-image-48368\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Copy-of-Featured-Images-Blog-Template-13.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Copy-of-Featured-Images-Blog-Template-13.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Copy-of-Featured-Images-Blog-Template-13.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Copy-of-Featured-Images-Blog-Template-13.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Copy-of-Featured-Images-Blog-Template-13.jpg?w=1708&amp;ssl=1 1708w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"_Kesimpulan_Bila_BNPL_Berbaloi\"><\/span><strong>&nbsp;Kesimpulan: Bila BNPL Berbaloi?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>BERBALOI<\/strong> jika anda:<\/p>\n\n\n\n<ul><li>Perlu insurans segera tapi bajet terhad.<\/li><li>Tak ada kad kredit.<\/li><li>Mahu elak faedah atau yuran tersembunyi.<br><\/li><\/ul>\n\n\n\n<p><strong>TIDAK BERBALOI<\/strong> jika:<\/p>\n\n\n\n<ul><li>Mahu ansuran lebih panjang.<\/li><li>Sukar bayar tepat masa.<\/li><li>Ada kad kredit yang menawarkan EPP lebih fleksibel.<\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p>Jika anda merasa jumlah pembelian terlalu membebankan &amp; tidak berpunya kad kredit, boleh sahaja mencuba untuk kaedah ansuran BNPL yang tersedia dalam laman web<a href=\"https:\/\/bjak.my\/ms\"> Bjak<\/a> untuk bantu dengan pembelian insurans anda.<\/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-nv-dark-bg-color has-text-color has-background\" href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=buy-now-pay-later-bnpl-untuk-insurans-kereta-berbaloi-atau-tidak\" style=\"background-color:#fdd103\">Dapatkan Sebut Harga Percuma<\/a><\/div>\n<\/div>\n\n\n\n<p>Baca juga: <br><a href=\"https:\/\/bjak.my\/blog\/perlindungan-ringkas-mampu-milik-untuk-semua\/\">Perlindungan Ringkas &amp; Mampu Milik Untuk Semua<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/cara-banding-harga-insurans-kereta-secara-online\/\">Cara Banding Harga Insurans Kereta Secara Online<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/apa-itu-epp-easy-payment-plan-cara-guna-untuk-renew-insurans-kereta-anda\/\">Apa Itu EPP (Easy Payment Plan)? Cara Guna Untuk Renew Insurans Kereta Anda<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>BNPL Untuk Insurans Kereta \u2013 Berbaloi atau Tidak? Nak renew insurans kereta tapi bajet bulan ini ketat? Jangan risau, anda kini boleh guna kaedah BNPL (Buy Now, Pay Later) \u2014 bayar kemudian dalam bentuk ansuran, tanpa caj faedah. Tapi\u2026 adakah ia benar-benar berbaloi? Apa Itu BNPL? BNPL (Buy Now, Pay Later) ialah kaedah pembayaran ansuran&hellip;&nbsp;<a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/buy-now-pay-later-bnpl-untuk-insurans-kereta-berbaloi-atau-tidak\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">Buy Now Pay Later (BNPL) Untuk Insurans Kereta \u2013 Berbaloi atau Tidak?<\/span><\/a><\/p>\n","protected":false},"author":31,"featured_media":48369,"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":[350],"tags":[2254,2636,596,2348,93,2386],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Buy Now Pay Later (BNPL) Untuk Insurans Kereta \u2013 Berbaloi atau Tidak? | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Buy Now Pay Later (BNPL) Untuk Insurans Kereta \u2013 Berbaloi atau Tidak?\" \/>\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\/insurans-kereta\/buy-now-pay-later-bnpl-untuk-insurans-kereta-berbaloi-atau-tidak\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Buy Now Pay Later (BNPL) Untuk Insurans Kereta \u2013 Berbaloi atau Tidak? | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Insurans Kereta | Read about: Buy Now Pay Later (BNPL) Untuk Insurans Kereta \u2013 Berbaloi atau Tidak?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/buy-now-pay-later-bnpl-untuk-insurans-kereta-berbaloi-atau-tidak\" \/>\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=\"2025-07-01T13:46:39+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-07-04T12:02:40+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Copy-of-Featured-Images-Blog-Template-12.jpg?fit=1708%2C1080&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1708\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\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=\"tariqsiregar@bjak.my\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 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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