Hi,
Some payment gateways can offer payments in several installments. Sometimes it's only an option to activate in the merchant account, sometimes, you need to contract with them for it.
For example, with the ATOS plugin, you can do that and thus offer the customer to pay in several installments.
Besides that, there is no existing payment plugins for Divido or V12 for HikaShop. But that can be developed if they have the necessary API for it. In that case, any skilled PHP developer can work on that for you if necessary.