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7 cruise lines with payment plans

Flexible payment options for smooth sailing on your next getaway.

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.

Cruise payment plans

Book a cruise today and pay later on voyages around the world.

Cruise Line Payment Plan APR Book now
Carnival EZpay 0% — it divides the fare into monthly payments, without interest. Book now
Holland America Line EZpay 0% — it divides the fare into monthly payments, without interest. Book now
MSC Cruises Uplift 4.01 to 35.99% Book now
Norwegian Cruise Line Uplift 4.01 to 35.99% Book now
Royal Caribbean Uplift 4.01 to 35.99% Book now
Princess Cruises EZpay 0% — it divides the fare into monthly payments, without interest. Book now
Virgin Voyages Uplift 4.01 to 35.99% Book now
Traveling during COVID-19
The CDC continues to advise caution when traveling within or outside the US, though it no longer requires self-quarantine or a COVID-19 test for fully vaccinated travelers as of April 2021. It recommends that you delay travel if you are not fully vaccinated to protect yourself and your family from getting or spreading the virus.

When traveling, follow safety measures that include wearing a mask in public, social distancing and washing your hands. If you are diagnosed with, have symptoms of or are waiting for COVID-19 test results — or are otherwise at risk of illness — do not attend gatherings or travel for 14 days.

Norwegian

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

Carnival’s EZpay 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

Virgin

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
Price range
Book now

MSC

MSC is a European cruise line that offers voyages around the world, but in the US it's known for dreamy Caribbean cruises that start in Florida. Choose Uplift at checkout to pay in monthly installments, though interest applies.
  • Instant approval if you're eligible
  • Pay the first month to book your cruise
  • Sail before you pay the balance
Price range
Book now

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

Princess

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

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

Does Seabourn have EZpay available?
No — even though Seabourn is owned by Carnival, it doesn’t have an EZpay option.

Are there book now pay later flights?
Yes. Similar to cruises, with book now pay later flights you can usually choose between a payment plan or financing to fund your tickets.

Do sites like Expedia offer cruise payment plans?

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.

See the latest cruise deals

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Disney cruises from $705 per person to the Caribbean

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Disney Cruise Line deals starting from $213/night to Caribbean and other destinations

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Save up to 25% on select Bahamian, Caribbean and Baja cruises with Disney

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Carnival cruises starting from just $55/night to the Bahamas and other destinations

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Carnival cruises to the Caribbean starting from $179 per person

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Save up to 83% off Carnival cruises to the Caribbean

Caribbean cruises from 4-7 nights from $179 per person. T&Cs apply.

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Up to $1,000 to spend on board with Norwegian Cruise Line

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Last minute cruise deals from $33/night

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