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.

先买后计划是很有效的工具，息支你现在需要但无法清的东西。

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

你不必清整个旅行的费用，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.

现在通常如果你要求清——你想要清所有的钱——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，不是清的吗？