There is no requirement for installment payment, as long as your card amount can reach the price you want to buy.
For example, if the price of a computer is 2W, your credit card limit must be 2W+ (excluding temporary limit).
If you don't have that much, you can deposit the remaining amount into a credit card to reach 2 w.
Installment fee 12, 6 installments are free of charge, and 24 installments need to be charged. The specific amount depends on the bank.
I suggest you contact Dell directly before selling. It would be very convenient if there is a special person to communicate with you directly. Just bought one this year.