What buy now pay later offers other than giving 0% instalments for 3 months? Any good recommendation on any buy now pay later app?

Which buy now pay later should I use to buy gadgets? and why??

Designed solely to leech your money easily

Giving you the false sense of purchasing power.

Buy gadgets better use cc...can get points and can do instalments more than 6 months

If you dont have the repayment capacity please dont use BNPL. You will suffer. Almost happened to me this year. Thank you shopee. Now i no use already. lol. Also browse less shopee ad. lzd also less haha. but as tomato people said, use CC better..

if you cant pay full amount, its most likely u cannot afford it.

But cc got interest rate right? Cause bnpl if only use their default instalment plan which is 3 or 4 months we don't have to pay interest rate tho

which bnpl did you use previously??

Additional discounts to lure you to use BNPL

3-4 months of interest saving is negligible vs the amount of interest you have to pay if you memory leak. If it's a cheap item, even more unworthy of my time just to save a few $. For example, Spay Later's $50-5 vouchers.

Web search :


That's higher than Credit Card.

ah long~

lol shopee haha...

I see, how about e-wallet services like TNG? cause it's quite convenient and I feel like a lot of people using it nowadays, what do you think about it?

i'm only using ewallets because got promo/discounts. Otherwise I'll pick the fastest one, which is TNG.

Yeah, but even bnpl nowadays also got promo/discounts, benefits to Debit Card users tho cause not all people can apply for cc.

I also think TNG is one of the fastest payment options now, but this also means that lesser people will carry cash around with them haha

Not true for some of the people. Sometimes we just want to stretch the ringgit. Who doesnt want 0% interest free loan whatever the amount?

Basically a debt trap if you can’t afford to buy it outright 🤦‍♀️ instalment is not a stretch but trap to get you more in debt

Depends on individual. For me zero interest instalment is a stretch. Imagine you buy RM12000 item and only pay RM1000 per mth for 12 mths. RM11k just put into FD @4% for just 6mths (you will earn RM220 already). Alternatively can also put into flexi home loan to knock off principal.

If you dont opt of installment, then you have to pay the RM12k either immediately or in one mth time (assuming using credit card). If you cant afford to pay , then of course dont buy la.

You think BNPL bother whether you can afford or not 🤦‍♀️ which is why many getting into debt trap and a lot of countries are starting to regulate it unlike useless BNM 🤦‍♀️ which are they not doing anything and not managing RM prudently

The so called 4% is only happening at this moment 🤦‍♀️ and not always will be as BNPL will only works in high interest environment

I don’t know what u are talking about. My simple mind tells me if I want to buy something, and if I can choose to pay in full immediately OR pay in 6 months with ZERO interest, I will always choose the latter. It’s like getting an interest free short term loan.
I see a lot of benefits n zero threats. It’s like credit card, some ppl think it’s a debt trap, but I see lots of advantages n in fact can get cash rebates/discount on the items I buy vs if pay by cash.

This post has been edited by Michael12345678: Jun 12 2023, 11:50 PM

Kinda depends on what you want to buy - certain shops and if there's an in-app promo/voucher I can use at the time of transaction, sure.

If the merchant only has certain bank punya terminal for CC instalment that you don't have (but inexplicably got Atome)...

4 digit service packages, devices, etc - no; that one gotta use CC instalment that's longer than 3 months already.

Only used Atome, which seems to be the biggest player here at the moment. Would use it more if it had Amex support, but oh wells. I try not to use it willy nilly. Also, the payments are automatically deducted from your added credit/debit card on the due date, just FYI.