When JD.COM Gold Bar loans, there are 1, 3, 6, 12, 18 and 24 months to choose from. If you choose to borrow 1, you cannot repay by installments. And the selected loan period is greater than 1, the loan period is the repayment period, and the user can repay the loan in installments according to the selected loan period. For example, if you borrow three installments, you will repay them in three installments.