Original question: Normally, payment through instalments is usually made by low-income individuals as a necessity. In this light, can a person who affords to make lump-sum payment opt for instalment payment as well?

Yes, there is no shariah restrictions on instalment payment except for credit cards with an interest-bearing payment plan.

Anyone can opt for instalment payments regardless of their financial condition.

Those who could afford to make lump sum payment may have other immediate cash needs.

Therefore, they are inclined to opt for instalment payment as a mean to manage their finances better.