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6 cruise lines with payment plans

Flexible payment options for smooth sailing on your next getaway.


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Aerial view of cruise ship in Japan
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.
  • Instant approval if you're eligible
  • Pay the first month to book your cruise
  • Enjoy the cruise even before you pay the balance
Price range
Book now


Carnival’s EasyPay plan charges an initial deposit, then you set up a monthly payment plan to cover the rest. It isn’t a financing option, so you won’t accumulate interest, and there are no fees.
  • For cruises booked at least 135 days prior to sailing
  • No credit check required
  • Your trip is canceled if you haven’t paid the balance by departure
Price range
Book now


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
  • Divide the cost into monthly payments
  • Cruises from Miami and Barcelona

Royal Caribbean

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.
  • Instant approval if you’re eligible
  • Pay the first month to book your cruise
  • Sail before you pay the balance
Price range
Book now


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
Price range

Holland America

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
Price range
Book now

How do the cruise payment plans work with each provider?

CompanyPayment options
Norwegian Cruise LineUpliftBook now
CarnivalEasyPay payment planBook now
Royal CaribbeanUpliftBook now
Virgin VoyagesUpliftBook now
Princess CruisesEZpay payment plan
Holland America LineEZpay payment planBook now

Layaway cruises for military members

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.

Bottom line

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.

To save money on the price of your cruise, browse the latest cruise discounts and special offers.

Frequently asked questions

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