1. Enter Taobao APP, located at "My Taobao" at the bottom of the home page, click Bai Hua, enter the credit service page, click the line application, enter relevant information, and perform identity authentication.

2. After all the goods you want to buy are added to the shopping cart, click the settlement button to enter the order confirmation page.

3. On the order confirmation page, you need to choose the flower garden installment as the payment method, and choose the number of installments you want.

4. Pay according to the payment process shown, then automatically obtain the application amount and repay it in installments in the next few months.