Hey there @joshkimber - very interesting use case here.
And thanks for the tag @BérangèreL!
I like your idea for the form asking them their preference. From there, I’d think about a workflow that emails them the payment link (like @RSchweighart described) that works best for them.
For the pay-in-full folks, it’s that one email and payment link. For the other folks, you might have options for 2 payments, or other ways to break it up. Whichever path they choose, you vould have specific payment links that reflect the total cost broken down, and send the email reminders each month (or whatever time cadence is based of their number of payments),
Theres probably many ways to do this, maybe even with a third-party payment scheduling solution, but that’s how I’m thinking of it personally. Hope that helps add to your thought experiment!