Would you pay through instalments to reduce the immediate costs, or pay the full amount to earn a higher cashback?

If the item is not an urgent need, I would prefer to pay in full and not installments because it forces me to set aside enough money so I know I actually afford the item rather than going into debt. Even if it's 0% installment I guess I prefer the feeling of paying it off at once and not having to keep track of more recurring bills and payments.

Speaking from personal experience, I would pay through instalments ( granted that it is at a 0% interest rate), especially if we are talking big ticket necessities that wouldn't normally fit into my monthly budget. Paying via instalments will allow me to fit the item's cost into my monthly budget and also keeps me accountable for the item I have purchased. I've seen a few paymemt providers that allow consumers to purchase using this method and the one I've been using for some time is hoolah. Think they are a local company and so far so good, their checkout process is quite seamless and their store directory is quite vast. You can check them out if you're interested, if not there is always the instalment option via credit cards and banks - which I find can be quite shady. So just be careful when choosing!