I can't see why your having problems paying with 48 month installments. I buy all my players on 48 month installments which allows me 4 times my budget to spend. For example, on my second season I have a left over budget of £4.6m yet I just bought a player for £10.5m. Only paying £2.625m a season for 4 seasons for a player is an advantage but it can also be a disadvantage. The payments still need to be made and therefore will have an effect on any future finances, look at Portsmouth irl.