Kuaile Shidai, dba Qufenqi, is an electronics retailer from China that lets buyers pay in monthly installments. Qufenqi focuses on smartphones, laptops, and other consumer electronics. The business model is tailored for students and young white collar workers. Customers can choose their own down payment and the number of months over which they will make regular installments to pay for an item, up to a maximum of two years. The final price and monthly required payments are transparently shown right on the product page.