Hear the call of the wild waves, but running short on funds? These sites let you book a cruise and pay for it down the line, so you can sail the seven seas without walking the gang plank.
Just keep in mind buy now pay later cruises are best for folks who can confidently foot the bill each month, because if you haven’t covered the balance by the deadline you may lose your spot — or risk a ding on your credit score.
Can I pay for my cruise in installments?
It’s industry standard for most cruise lines to let you book with an initial deposit, if you purchase the fare far enough in advance. Log in to your account to cover the balance by the final payment deadline. In this article, we focus on cruise lines that either offer automatic payment plans or a financing option at checkout that allow you to pay for your cruise in installments.
Choose Pay monthly at checkout to finance your NCL cruise using Uplift, a travel loan provider. It breaks your fare into 12 monthly payments.
This uber-trendy cruise line — the brain child of Richard Branson — lets you finance a cruise with Uplift. Reserve your spot on one of these party ships, complete with a tattoo parlor, Korean BBQ and juice bar, without draining your savings.
Contact its team via online chat, email or phone to pay using Uplift
Finance your Royal Caribbean cruise using Uplift. You can break the payments into installments over three, six or 12 months. After picking your cruise and cabin, select Pay monthly at checkout to apply.
Set up a cruise payment plan using Princess EZpay. It’s free to use, and your balance won’t accumulate interest. It’s not a loan — your card will be charged once a month, starting 20 days after your initial deposit and ending before your cruise departs.
Call 800-774-6237 to sign up
Set up email reminders
Make additional payments to cover the balance early, if you’d like
Holland America Line also offers an EZpay option — which makes sense, as both Princess and HAL are owned by Carnival. You can schedule the payments down to the exact day of the month, linking up a credit or debit card for automatic payments.
Call 1-877-724-5425 to sign up
Set up email reminders
Most itineraries are eligible, as long as you book far enough from the final payment deadline
If you’re an active or retired member of the US military, apply for a travel loan with United Military Travel. It’s a company that offers vacation financing — including cruises — to the families and friends of US military members.
Cruise payment plans can be the perfect way to make your above-the-waves dreams come true — just make sure you have a solid plan for covering the balance.
No — even though Seabourn is owned by Carnival, it doesn’t have an EZpay option.
Yes. Similar to cruises, with book now pay later flights you can usually choose between a payment plan or financing to fund your tickets.
No, sites like Expedia don’t typically offer cruise payment plans, though you’ll usually be able to book with a deposit and cover the balance at a later date.
Traveling during the COVID-19 pandemic
With infection rates rapidly spiking nationwide, expect stronger travel restrictions as the holidays near. The CDC strongly advises postponing travel and staying close to home to avoid getting or spreading COVID-19.
If you plan to travel during the pandemic, monitor and understand the risk assessment levels for your destination when planning your trip, before departure and on arrival. Follow safety measures that include wearing a mask in public settings, maintaining social distancing and washing your hands. If you are diagnosed, have symptoms of or are waiting for test results for COVID-19 — or are otherwise at risk of illness — do not host, attend gatherings or travel for 14 days. Note that the CDC warns against cruise travel at this time.
See the latest cruise deals from these companies
Save up to 25% on select Bahamian, Caribbean and Baja cruises with Disney
Bahamas Paradise 2-night cruise deal for two: $69 per person
All meals onboard (alcoholic beverages and specialty restaurants not included). Theater shows, live music, pool-deck parties, day in The Bahamas. Spa & beauty salon and full casino available. 2 nights of accommodations.
Put your dream vacation on the calendar now, and pay for it later! In addition, choose to streamline payment even further by splitting your fare into easy monthly installments with 0% interest! T&Cs apply.
Amy Stoltenberg writes about lifestyle and money for Finder, researching the best options for shopping, banking, insurance and authentic travel experiences. After studying writing and fashion at Savannah College of Art and Design, she worked designing apparel at a corporate behemoth before opting for a career with unlimited travel time. When her laptop’s closed, she can be found wandering the streets looking for happy hour and hole-in-the-wall eateries.
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