How to make an installment plan?

I want to buy a new phone over installment payments on TianYao Information website. It has three months,six months and one year. Which schedule should I choose?

Alandra2015-12-09T19:46:40Z

It's a good way to buy expensive things with installment, which will improve your cash flow.If the interest is very low, you should choose as long term as you can. If it's high, you'd better choose the short ones.

gleamy2015-12-03T23:07:23Z

It should be decided by your earnings. If you are in a budget, consider to choose a lone schedule. Because you should make sure to repay on time every month. But if you have enough money, the shorter, the better.

JAMES K2015-12-03T22:45:00Z

The longer the term, the more money you pay in Interest.