{"id":48829,"date":"2025-07-09T19:23:28","date_gmt":"2025-07-09T11:23:28","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=48829"},"modified":"2025-10-29T18:30:58","modified_gmt":"2025-10-29T10:30:58","slug":"buy-now-pay-later-bnpl-for-car-insurance-worth-it-or-not","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/buy-now-pay-later-bnpl-for-car-insurance-worth-it-or-not","title":{"rendered":"Buy Now Pay Later (BNPL) for Car Insurance \u2013 Worth It or Not?"},"content":{"rendered":"\n<p>Thinking of renewing your car insurance but tight on budget this month? Don\u2019t worry \u2014 now you can use BNPL (Buy Now, Pay Later) to split your payment into instalments <em>without interest<\/em>. But is it really worth it?<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3>What Is BNPL?<\/h3>\n\n\n\n<p>BNPL is a short-term instalment plan, usually over 3 months, where you pay only 1\/3 upfront, and the rest over the next two months.<\/p>\n\n\n\n<p>Platforms like Bjak offer BNPL through providers such as Atome, enabling you to renew insurance or road tax in zero-interest instalments.<\/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=\"48831\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/buy-now-pay-later-bnpl-for-car-insurance-worth-it-or-not\/attachment\/featured-images-blog-template-7-2-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-7-2.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=\"Featured-Images-Blog-Template-7-2\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-7-2.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-7-2.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-7-2.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Advantages of Using BNPL for Insurance Purchase\nLow Upfront Payment\nExample: Insurance RM900 \u2192 Pay only RM300 first.\n0% Interest\nAtome via Bjak offers zero-interest, with no hidden fees\nNo Credit Card Needed\nBNPL works with debit cards \u2014 great for those without a credit card.\nInstant Protection\" class=\"wp-image-48831\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-7-2.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-7-2.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-7-2.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-7-2.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-7-2.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\"><img data-attachment-id=\"48832\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/buy-now-pay-later-bnpl-for-car-insurance-worth-it-or-not\/attachment\/featured-images-blog-template-8-1\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-8-1.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=\"Featured-Images-Blog-Template-8-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-8-1.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-8-1.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-8-1.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Short Tenure\nOnly 3 months \u2014 not ideal if you need longer instalment plans.\nLate Fees Risk\nMissed payments may lead to penalties and affect your financial record.\nAdded Monthly Commitment\" class=\"wp-image-48832\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-8-1.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-8-1.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-8-1.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-8-1.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-8-1.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<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"48833\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/buy-now-pay-later-bnpl-for-car-insurance-worth-it-or-not\/attachment\/featured-images-blog-template-4-1\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-4-1.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=\"Featured-Images-Blog-Template-4-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-4-1.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-4-1.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-4-1.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"\" class=\"wp-image-48833\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-4-1.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-4-1.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-4-1.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-4-1.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-4-1.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<h3>Conclusion: When Is BNPL Worth It?<\/h3>\n\n\n\n<p>BNPL is worth it if you:<\/p>\n\n\n\n<ul><li>Need insurance immediately but have limited budget now.<\/li><li>Don\u2019t have a credit card.<\/li><li>Want to avoid interest and hidden fees.<br><\/li><\/ul>\n\n\n\n<p>BNPL is NOT worth it if you:<\/p>\n\n\n\n<ul><li>Want a longer instalment period (6\u201312 months).<\/li><li>May struggle with on-time payments.<\/li><li>Already have a credit card with flexible EPP options.<\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p>If you feel that the purchase amount is too burdensome and you don&#8217;t have a credit card, you can try the BNPL (Buy Now, Pay Later) installment method available on the Bjak website to help with your insurance purchase.<\/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-for-car-insurance--worth-it-or-not\" style=\"background-color:#ffd103\">Get Your Free Quotation<\/a><\/div>\n<\/div>\n\n\n\n<p>Read more:<\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/how-to-use-the-myjpj-app-to-check-roadtax-driving-licence-summons\/\">How to Use the MyJPJ App to Check Roadtax, Driving Licence &amp; Summons<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-service-checklist-before-balik-kampung\/\">Car Service Checklist Before Balik Kampung<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/chubb-malaysia-premium-insurance-is-it-right-for-your-luxury-car\/\">Chubb Malaysia Premium Insurance \u2013 Is It Right for Your Luxury Car?<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Thinking of renewing your car insurance but tight on budget this month? Don\u2019t worry \u2014 now you can use BNPL (Buy Now, Pay Later) to split your payment into instalments without interest. But is it really worth it? What Is BNPL? BNPL is a short-term instalment plan, usually over 3 months, where you pay only&hellip;&nbsp;<a href=\"https:\/\/bjak.my\/blog\/car-insurance\/buy-now-pay-later-bnpl-for-car-insurance-worth-it-or-not\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">Buy Now Pay Later (BNPL) for Car Insurance \u2013 Worth It or Not?<\/span><\/a><\/p>\n","protected":false},"author":31,"featured_media":48834,"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":[431],"tags":[596,59],"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) for Car Insurance \u2013 Worth It or Not? | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Buy Now Pay Later (BNPL) for Car Insurance \u2013 Worth It or Not?\" \/>\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\/car-insurance\/buy-now-pay-later-bnpl-for-car-insurance-worth-it-or-not\" \/>\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) for Car Insurance \u2013 Worth It or Not? | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Read about: Buy Now Pay Later (BNPL) for Car Insurance \u2013 Worth It or Not?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/buy-now-pay-later-bnpl-for-car-insurance-worth-it-or-not\" \/>\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=\"2025-07-09T11:23:28+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-29T10:30:58+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-3-1.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! Fastest way to renew in Malaysia!\",\"publisher\":{\"@id\":\"https:\/\/bjak.my\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/bjak.my\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/buy-now-pay-later-bnpl-for-car-insurance-worth-it-or-not#primaryimage\",\"url\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-3-1.jpg?fit=1708%2C1080&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-3-1.jpg?fit=1708%2C1080&ssl=1\",\"width\":1708,\"height\":1080,\"caption\":\"Buy Now Pay Later (BNPL) for Car Insurance \u2013 Worth It or Not?\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/buy-now-pay-later-bnpl-for-car-insurance-worth-it-or-not#webpage\",\"url\":\"https:\/\/bjak.my\/blog\/car-insurance\/buy-now-pay-later-bnpl-for-car-insurance-worth-it-or-not\",\"name\":\"Buy Now Pay Later (BNPL) for Car Insurance \u2013 Worth It or Not? 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