分期付款在英文中有多种表达方式，常见的有：

1. Hire Purchase (HP): 主要在英国和一些英联邦国家使用，指的是分期购买商品，直到最后一期付款完成后，商品所有权转移给买家的安排。

如

The Vendor gives no warranty to the state and condition of the said furniture and fittings and the Vendor hereby warrants and declares that the said furniture and fittings are free from all incumbrances and are not subject to any hire-purchase, bill of sale, lien, creditsale agreement or any other third party claim.

卖方对该财产的家具及附加设备的状态和状况不提供保证。卖方在此声明和保证该家具及附加设备没有任何产权负担，及不受任何分期付款、卖据、留置权、赊卖协议的限制或被任何其他第三方申索。

2. Installment Plan: 指的是购买者按照事先约定的计划，分期支付商品或服务费用的安排。这种方式在美国及其他国家普遍使用。

如

In some cases, the party concerned might propose payment by installment to avoid a court case and such proposals would be considered by the Administration.

在某些个案中，有关一方可能会建议分期付款，以避免诉讼，而有关建议会获政府当局考虑。

3. Layaway Plan: 这是一种购物协议，其中消费者将商品放在零售商那里，通过分期付款的方式支付商品价格，直到全部支付完成后才能拿走商品。与分期付款不同的是，消费者在最后一期付款前，无法拿到商品。

Layaway Plan较少见，可以再来看一下Layaway Plan的英文释义：Layaway is a way of buying something in which a consumer makes a down payment on an item, which the store then holds for them while they pay the remainder of the price in installments, after which they take possession of it. A layaway plan ensures that the consumer will get their chosen merchandise when they've fully paid for it.（分期付款是一种购买商品的方式，消费者先付定金，然后商店为他们保留该商品，同时他们分期支付剩余价格，之后他们就拥有该商品。 分期付款计划确保消费者在全额付款后可以获得他们选择的商品。）

如

John wanted to buy a new TV but didn't have all the money upfront. He used a layaway plan to reserve it and paid over three months.

约翰想买一台新电视，但手头不够。他通过预留付款计划预定了电视，并分三个月支付。

4. Deferred Payment Plan: 指的是允许消费者推迟支付一部分商品或服务费用的安排。在这种计划下，消费者可能会立即获得商品或服务，但需要在未来的某个时间点支付剩余的费用，也常用于销售合同、服务合同、教育服务、房地产交易及商业贷款等合同中。

如

In the sale contract of a high-end manufacturing machine, the buyer and seller agree on a deferred payment plan. The buyer agrees to make an initial down payment of 20% of the machine's total cost upon signing the contract. The remaining 80% will be paid over the next 12 months in equal monthly installments, with an agreed-upon interest rate of 5% per annum on the unpaid balance. The contract specifies that the title of the machine will transfer to the buyer only after the full payment is received by the seller. If the buyer fails to make timely payments, the seller has the right to terminate the contract and reclaim the machine.

在一台高端制造机械的销售合同中，买方和卖方同意分期付款。买方同意在签署合同时支付机器总成本的20%作为首付。剩余的80%将在接下来的12个月内以相等的月份分期付款，对未付余额按年利率5%收取利息。合同规定，机器的所有权只有在卖方收到全部付款后才转移给买方。如果买方未能及时支付，卖方有权终止合同并收回机器。

5. Credit Sale: 这是指买家立即获得商品，但可以分期支付商品价格的安排。与Hire Purchase不同的是，Credit Sale通常意味着买家从一开始就拥有商品的所有权。