The credit card of the postal savings office can be paid in installments, but it depends on your quota. I always go to Bank of China or Agricultural Bank, and the interest is 4% a year. However, if you are not a civil servant, you should ask a civil servant to guarantee you, which can save money. If you can't find a civil servant to guarantee you, you have to go to a guarantee company, but you have to pay the guarantee fee, deposit and renewal money, and then return it to you after you repay the loan.