Motorcycle ownership has increased in recent years. — PHILIPPINE STAR/MICHAEL VARCAS THE Department of Trade and Industry (DTI) may draft an order against installment-only payment schemes for vehicles, including motorcycles. Consumers must have the choice to pay either the full amount in cash to avoid interest or by installment, Trade Secretary Ramon M. Lopez said during a Senate hearing on Monday. The DTI has received reports that dealers are encouraging consumers to buy vehicles only on an installment basis, he said. Mr. Lopez added that vehicle dealers should inform the buyers of other options. In a separate mobile message to reporters, Mr. Lopez said the DTI will conduct a legal review on the matter, after which it could issue a department order or circular, depending on what the law allows.