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Not directly through Steam but PayPal has an option for this through them.
https://www.paypal.com/us/digital-wallet/ways-to-pay/buy-now-pay-later
https://www.paypal.com/us/cshelp/article/what-is-pay-in-4-help463
It's not a console and most games I play on the handheld PC are games I do actually own.
What are you going on about? The steam deck is a handheld pc that can do anything your desktop pc can do.
My Deck has no connectivity issues. I do not own a dock.
Wow... who would've thought game ownership was required!?!?