Topic
#spaylater
3 articles
Buy Now Pay Later in Malaysia 2026: Why 1.5% Can Mean 12%, and Why BNPL Is Now Regulated
Two of Malaysia's biggest buy now pay later services quote the same headline number, 1.5 per cent, and it means two different things. On PayLater by Grab that 1.5 per cent is charged on each instalment and calculated on the whole transaction, so an eight-instalment plan costs 12 per cent of what you bought. On SPayLater it is 1.5 per cent a month. Both charge a flat RM10 when you miss a payment. SPayLater's page still says BNPL is not regulated by Bank Negara Malaysia, and that line is now badly out of date: the Consumer Credit Act 2025 came into force on 1 March 2026 and BNPL providers must be licensed by the Suruhanjaya Kredit Pengguna. Its Conduct Standards also prohibit the flat-rate pricing that produces the 12 per cent. We read all three providers' pages and the regulator's own instruments on 8 September 2026, and re-checked them on 25 September 2026, the day after Grab rebuilt its pricing table.
BEST DENKI MyTOWN Sale, October 2026: Nothing New at MyTOWN Since Merdeka. The Nearest Live Deal Is 1 Utama's Homefair Clearance to 29 Oct
BEST DENKI's Merdeka 69th Promotion at MyTOWN (Lot B1-017) ended on 31 August 2026. As of 22 October no MyTOWN sale has followed, and MyTOWN has dropped BEST Denki from its app e-cash voucher list. The live BEST DENKI deals are at 1 Utama: the Homefair Clearance Sale (16 to 29 October), with SPayLater 10% off capped at RM100, and a Samsung roadshow to 25 October.
GSC SPayLater Buy 1 Free 1 Ended — Every GSC & TGV Ticket Deal Still Live (October 2026)
GSC Cinemas' Buy 1 Free 1 with SPayLater ended on 31 August 2026, and TGV's SPayLater version has also vanished from TGV's own promotions list despite being advertised to 31 October. Here are the GSC and TGV ticket offers that are actually live, re-checked on 10 October 2026: Alliance Bank and AFFIN now run to 31 December, Maybank Debit RM10 at TGV, and the concession prices.