One time single payment. If I were in such a financial position that I need to pay in installments, I’d either just (a) get a cheaper laptop, or (b) just postpone it for a few months, since phones are essentially replacing most of the functions of a computer, and its more of a “want” than a “need” (for watching tv shows and movies and maybe some light gaming), phone screen is too small, but if money is an issue, I’d skip it and begrudgingly watch on my tiny phone screen lol.