“分期付款”英语怎么说？pay by many times可不是地道的表达方式

在互联网高速发展的今天，信用体系臻于完善，消费分期的生活方式被越来越多的年轻人认可，尤其是买房、买车分期付款屡见不鲜。

那你知道分期付款英语怎么说吗？想当然地翻译为 pay by many times 不是地道的表达方式，正确的应该是 payment by installments 或者是 hire purchase。

还有其他的付款方式怎么用地道的英语来表达？

现在非现金支付工具（non-cash payment instruments）极大方便了我们的生活，平时大家接触最多的就是移动支付（mobile payment）和电子银行（e-bank），还有借记卡（debit card）、信用卡（credit card）。

一起看看这些词在具体的语境中是怎样使用的。

Pay in cash 付现钱，用现金支付

你介意我付现金吗？

Do you mind if I pay in cash?

Pay in check 用支票付款

他们不收现金，只好用支票支付。

They don't accept cash; we have to pay in check.

Pay by credit card 用信用卡付款

请问我可以用信用卡付账吗？

I wonder if I can pay by credit card.

Pay in a lump sum 一次性付款

这台冰箱的钱，你可以一次付清，也可以按月分期付款。

You can pay for the refrigerator either in a lump sum, or in monthly installments.

Advance payment 预付款

我们仍然坚持总金额的30%的预付款。

We still insist on advance payment by 30 percent of the total amount.

Down payment 预付定金

我们要求百分之五的定金。

We ask for a five-percent down payment.

Split the bill/go fifty-fifty 平摊费用

我们决定要分摊晚餐的费用。

We decided to split the bill for our dinner.

再说说买车，汽车价格高，想分期付款买车怎么说呢？

汽车价格昂贵，我想以分期付款来支付。

The car is expensive, I would like to pay by installments.

你可以分36个月分期付款。

You can pay in thirty-six monthly installments.

Initial payment 首付款

合同签订后只需要付首付款。

Only an initial payment is required after the contract.

The balance 余款

首付10万元，余款可分期付款。

An initial payment of 100,000 yuan, the balance can be made in installments.

Interest-free installment 免息分期

我想免息分期付款。

I would like to pay by interest-free installments.

Cash subsidy 现金补贴

我购买新能源汽车可以享受现金补贴。

I can get a cash subsidy if I buy a new energy vehicle.

我想去4S店买一辆有现金补贴的新能源汽车，首付10万元，前期余款分36个月免息支付，每月4000元以内。

I want to purchase a new energy vehicle in a 4S store with cash subsidies, an initial payment of 100,000 yuan and the first balance can be made in 36-month interest-free installments with a monthly repayment under 4,000 yuan.

有什么推荐吗？

Do you have any recommendations?

梅赛德斯-奔驰 EQC。

Mercedes-Benz EQC SUV.