According to the inquiry of Xicai. com, JD.COM Gold Bar has one, three, six, 12, 18 and 24 months to choose from when making a loan, and if it chooses to borrow one installment, it cannot be repaid in installments. If the number of loan periods selected is greater than 1, then the loan period is the repayment period, and users can repay by installments according to the number of loan periods selected.