1. Alipay’s Huabei installment payment. In Taobao or Tmall mobile phone stores, select the mobile phone you want to buy, and choose Alipay Huabei to pay in installments when paying. You can choose three, six, or twelve installments. Of course, the interest rate for each installment is different. , the shorter the installment, the lower the interest.

2. Jingdong Baitiao installment. The operation is similar to that of Alipay's Huabei, except that you select the mobile phone you want to buy on JD.com, and then use Baitiao to pay. You can choose installments when repaying Baitiao.