Buy now, pay later plans can be an effective tool for making interest-free payments on things you need now but can't afford to pay for all at once.

先计划可以是很有效的工具，可以免息支你现需要但无法次性清的东西。

You don't have to pay for the whole cruise up front, right?

你不必次性清整个旅行的费用，对吧？

Now usually if you ask for the lump sum – you want all of your money at once – you're not going to get the full amount;they're going to discount it, if you will.

现如果你要求次性清——你想要次性清所有的钱——你不会得到全部金额；如果你愿意的话，他们会打折。

Oh, it's not all in a lump sum?

哦，不是次性清的吗？