The Buy Now Pay Later is a deferment scheme where in layman terms, it give me time gather funds to fork out the balance purchase price. For example the you only got an 85% loan approval, therefore you need to pay the 15% of the balance purchaser price upon signing of the SPA. With the scheme, you only pay the booking fees and defer the rest of the amount. So depending on the construction stage of the project you can the balance purchase price 6 monthly for up to 24 months. Good for people like me who needs time to gather funds (and wait for bonus) and it is interest free. You can check it out on their website but the explanation is clearer via SA. I took up this scheme for my property purchase in 16 Sierra and I have finished my installments. Now waiting for the property to complete soon.