You can pay back the loan over a period of three years.

你可以在三年内分期归还贷款。

《牛津词典》

When dealing with a nation struggling to pay its loans, it would make more sense to restructure its debts - so they are paid back over a long period, say.

面对一个正在奋力偿还借款的国家，更合理的做法是对其进行债务重组，从而使这些债务在较长的时间段里获得清偿。

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Life insurance contract of long period is suspended because the insured do not pay the back premiums which are due after the grace period.

长期的人身保险合同，因不付到期的续期保险费在宽限期后效力中止。

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When you use credit, you are borrowing money that you promise to pay back within a specified period of time.

FORBES: The Importance Of Your Credit Rating

All is not lost, as you can ask HMRC to pay it back over a longer period or reduce the amount you are paying back.

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These include a requirement for students who have received state grants to stay and work in Hungary for a certain period of time after graduating, or pay back the cost of their tuition to the state.

BBC: Q&A: Hungary's controversial constitutional changes