It's a short-term loan that allows you to make purchases today and pay them off in installments over time.

是一种短期贷款，让你今天可以购买商品，然后在一段时间内分期偿还。

The loan can be paid in either monthly or quarterly instalments, to suit your needs.

贷款可以按每月或每季度分期付款偿还，以符合您的需要。

Banks also finance consumer purchases by paying for credit card purchases by people who later reimburse the credit card companies and the banks behind them, by paying monthly installments that include interest.

银行还通过支付人们的信用卡购买费用来为消费者购买提供资金，些人随后通过支付包括利息在内的每月分期付款来偿还信用卡公司及其背后的银行。