Abstract: To explore the main factors of college students using campus Internet installment service, the model based on TAM and UTAUT theories is constructed. The results show that consumption desire, perceived usefulness, perceived ease of use, and social influence positively affect the willingness to use; perceived risk negatively affects willingness to use; platform attributes positively affect perceived usefulness and perceived ease of use while have a negative impact on perceived risk; user characteristics positively affect perceived risk and negatively affect consumption desire. In addition, through comparison between domestic and international market, the differences are summarized and recommendations from a variety of perspectives are made to create a good campus consumption installment market environment.