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Installment plan payment method will only apply to checkout amounts more than or equal to RM500.00, after deducting voucher discounts. Therefore if your checkout value is lower than RM500 after voucher/coins discounts, this checkout will not be eligible for purchase via installment plan scheme.
You may want to have a look at our Help Center article - How would I know if the item is available via installment? for a better understanding of this feature.