I don't mind either way aslong as the person involved can control it and don't go over board I for instance had a small loan out to help finish paying for things for our wedding and I much prefer to give the bank a little bit back each month than to have my misses disappointed on the big day , and I have laid for my insurance both ways I've paid it in full and paid it in installments I just double check how much extra will cost each month for installments and if it ain't a silly amount I'll do it that way as don't see any point in skinting myself when u can do it monthly