1. Huabei

Huabei is an online consumer loan product of Alipay, which can provide installment services in Taobao stores. As long as users have enough Huabei credit, they can almost purchase most goods in installments on Taobao, up to 12 installments, and Huabei also offers interest-free installment services from time to time.

However, it should be noted that not all Taobao stores can use Huabei for payment, and it needs to be activated by the store. If the store does not open it, the user can only choose to pay by other methods.

2. Credit card

Taobao also supports credit card installment, provided that the seller has activated the credit card installment function. In addition, the transaction amount is 600 yuan and above (combined payment is supported, and credit card installments are supported for combined transactions. When paying for multiple transactions, as long as the cumulative bank channel payment is greater than 600 yuan).

It should be noted that for Taobao credit card installment payment, the additional fees are included in the handling fee, and then averaged into the repayment in each period. That is to say, the repayments in each period indicated by the installment payment already include all fees.

If the user's consumption limit is sufficient, directly select installments 3, 6, and 9, and then click "Buy in Installments" to place an order; if the consumption limit is insufficient, some users can freeze the amount of Yu'e Bao to make installments, and choose 3/ After the 6/9 issue, click "Buy in Installments" to place an order.