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Cruise payment plans: All you need to know about paying for a cruise

You're going on a cruise! You've spent time researching and narrowing down your destination, ship and sailing dates, and now it's time to book. But what can you expect in terms of cruise payments? What's the best way to pay for a cruise? Will you have to cough up the full fare upfront, or can you put a cruise on layaway?

Here, I'll answer those questions by discussing cruise payment schedules, different methods of paying for a cruise and the pros and cons of paying in full versus putting down a deposit and paying the rest later.

Note: Payment methods and schedules vary by cruise line and booking outlet. Not all options are offered by all lines or via all booking methods. Check with your cruise line or booking outlet for availability before making a reservation.

For cruise news, reviews and tips, sign up for TPG's cruise newsletter .

How to pay for a cruise

You can pay for your voyage in multiple ways. Most passengers put the charges on a credit card , which is often the quickest and most convenient method. Additionally, you can use gift cards (either cruise line-specific or those from major credit card issuers that aren't tied to a specific retailer), future cruise credits from your cruise line or even cash if you book in person through a travel agent .

Other options include payment by electronic check, PayPal or Apple Pay (depending on how you book) or points and miles on a third-party platform . You can also redeem free cruise certificates from cruise lines that award them for things like casino play , reaching a high loyalty status tier, winning high-stakes bingo or even cruises gone wrong .

You can choose to pay in full at the time of booking, which could earn you additional perks or savings, or make an initial cruise deposit with subsequent payments until anywhere from two to three months before your sailing date.

Specific financing and payment plan options vary by cruise line. For example, Carnival Cruise Line uses EasyPay to allow interest-free autopayments to be charged to you at regular intervals in order to pay off your cruise before you set sail. Princess Cruises' and Holland America's EZpay program offers a similar interest-free setup.

Carnival also offers Uplift as an option. Although some passengers are approved for no down payment and/or 0% interest, interest rates will apply for other cruisers, and under the program, your voyage doesn't have to be completely paid off before your embarkation date. Royal Caribbean allows passengers to finance their cruises using Affirm, with both interest-free and simple-interest options available. Some lines also allow payments through the popular payment app Klarna, which has different payment options, both with and without interest. (Check with your cruise line for details on its specific payment plans.)

Here are the pros and cons of paying over two different time periods.

Paying all at once

If you have the funds to pay for the entire amount of your sailing right away, feel free. It means you won't have to remember to make additional payments. Plus, as an incentive, some cruise lines extend additional perks or discounts to entice travelers to lock in their plans at the time of booking.

For example, wave season deals often include incentives to pay in full. At the time of publication, Emerald Cruises was discounting cruise fares by thousands of dollars for anyone paying in full at the time of booking. Scenic was allowing passengers to choose from additional savings, free airfare or free pre- or post-cruise land tours for paying in full right away. Silversea was slashing fares for pay-upfront voyages by 10%-20%.

The drawback, however, is that you part with a lot of money upfront if you decide to pay immediately. For many cruisers who book a year or more ahead of time, that money could be more lucrative sitting in a bank account that earns interest instead of providing an interest-free loan to a cruise line.

Paying incrementally, with an initial minimum deposit

Alternatively, you can pay a deposit — a portion of the cruise fare for each person on your reservation — to lock in your cabin. Then, in the months leading up to your sailing, you'll make additional payments, according to your cruise line's payment schedule, until you no longer owe anything. If you don't pay off the remaining balance by the final payment date — usually two to three months before embarkation day — the cruise line will cancel your reservation, and you won't be allowed to sail.

Incremental payments are a better choice if you're unsure whether you can or want to sail but want to lock in an attractive fare or snag a cabin on a new ship or unusual itinerary while you decide. If you pay off your cruise early, you can get your money back (except for certain discounted fares and nonrefundable deposits) should you cancel before the final payment deadline. However, it can be a hassle to go through the refund process and wait for the cruise line to return your funds.

Another obvious draw of this method is that it costs less upfront. You can pay over time instead of draining your savings or putting the full amount on a credit card and then incurring fees if you can't pay off your card in full.

Generally, there is no interest or penalty for paying over time if you go the deposit route, so in most cases you won't be charged more if you opt for a payment plan. Plus, you can always pay the balance off early or in larger amounts than are required by your cruise line.

One drawback is that you'll have to remember to make additional payments on time to avoid cancellation of your reservation. Plus, you might not be able to take advantage of a cruise line's cheapest fares if you're not willing to pay in full at the time of booking.

Note that if you book a last-minute cruise after the final payment date (typically, two or three months prior to sailing), you must pay in full; there is no deposit option.

How much is a cruise deposit?

The amount of the deposit required varies by cruise line, but typically you can expect to shell out a couple hundred dollars per person to reserve a cabin with most major cruise lines. It's based on several factors, including the length of the sailing, the overall cost of the voyage, the type of accommodations booked and whether or not the line is running a promotion. Sometimes, as a booking incentive, lines will waive deposits completely or heavily discount them.

At the time of publication, as part of their wave season promotions , Carnival Cruise Line and Costa Cruises were touting deposits as low as $50 per person, while Princess Cruises was offering them for $100 per person. Disney Cruise Line also slashed its required deposits by half — a big deal for a line that rarely offers discounts. Regent Seven Seas Cruises, Seabourn Cruise Line and UnCruise Adventures also were offering deposit reductions.

The next section outlines the specific deposit amounts for the most popular cruise lines.

Cruise payment schedules

Below are the payment schedules and deposit amounts for each of the "big eight" cruise lines.

Note: Deposits are per person and refundable prior to the cruise line's final payment deadline, unless otherwise indicated. For cruises booked after the final payment deadline has passed, payment is required in full at the time of booking.

Carnival cruise payment schedule

For most sailings, Carnival requires a deposit of $100 per person for two- to three-day sailings, $150 for four- and five-day sailings and $250 for six- to nine-day sailings. Longer cruises and voyages to Alaska, Europe and the Panama Canal, as well as ocean crossings, require a deposit of $400 per person.

Deposits for Carnival bookings are generally nonrefundable unless cruisers specifically purchase fully refundable fares.

Final payment is required either 76 or 91 days from the sailing date, depending on the destination, cabin type and length of cruise booked.

See Carnival's website for more information.

Celebrity cruise payment schedule

For Sky Suite cabins and lower, Celebrity charges $100 per person for cruises up to five nights, $250 for six to eight nights and $450 for voyages of nine nights or longer. Those prices double, per person, for Celebrity Suites and above.

For Galapagos sailings, deposits for non-suites at the time of booking are $450 per person; suites are $900 per person.

Deposits for Celebrity bookings are generally nonrefundable at any time unless cruisers specifically purchase fully refundable fares.

For cruises of four nights or fewer, final payment must be made at least 75 days prior to sailing. For voyages of five or more nights, final payment is due at least 90 days in advance.

Galapagos sailings must be settled further in advance, with final payment due anywhere from 120 to 180 days in advance, depending on the ship.

More information can be found on Vacations To Go 's website.

Disney cruise payment schedule

Disney Cruise Line 's fine print states that deposits are determined at the time of booking, so they vary.

For non-suite and non-concierge voyages of five nights or fewer, the line requires final payment 90 days or more prior to embarkation day; for sailings of six nights or longer, payment must be made 120 days or more in advance. For suites and concierge-level accommodations, final payment is due 91 days or more prior to sailing.

You can read more in the line's terms and conditions .

Holland America cruise payment schedule

Holland America 's deposit amounts vary widely, requiring passengers to pay anywhere from $350 to $2,900 per person, depending on the sailing.

For Alaska, Bermuda, Caribbean, Canada/New England, Europe, Mexican Riviera, Panama Canal and long Hawaii voyages, final payment must be made no fewer than 75 days prior to sailing. For all other cruises — including holiday voyages, voyages longer than 30 days and segments of voyages longer than 30 days — full payment must be received at least 90 days before embarkation.

Find more specifics on Vacations To Go's website .

MSC cruise payment schedule

Deposits for MSC Cruises are $99 per adult for voyages of four nights or fewer, $199 for five to 14 nights, $300 for 15 nights or longer and an amount equal to 15% of the overall price for world cruises. Additional deposits are not required for children sailing as the third and fourth passengers in a cabin.

For cruises of four nights or fewer, bookings must be paid in full at least 75 days before the sailing date. Those of five to 14 nights must be paid off 90 days or more ahead of time, and bills for any voyages 15 days or longer must be settled at least 110 days prior to departure. For world cruises, it's 120 days.

You can read more on MSC's website .

Norwegian cruise payment schedule

Deposits for Norwegian Cruise Line bookings vary greatly, ranging from $100 to $5,000 per person, based on cabin or suite type booked and the length of the sailing.

Norwegian's deposits are fully refundable, but all voyages, regardless of length or cabin type, must be paid in full at least 120 days in advance. That's earlier than what other cruise lines require for basic cabin types and standard-length sailings.

To learn more, see the chart on NCL's website .

Princess cruise payment schedule

When you book a Princess cruise, you'll owe a deposit of $100 per person ($200 for suites) for sailings of five days or fewer, $200 ($500 for suites) for voyages of six to nine days or $400 ($800 for suites) for cruises of 10 days or longer. For world cruises, you'll have to pony up 30% of the overall cost of the sailing.

For voyages of five days or fewer, you'll have to pay in full at least 75 days before your vacation. Cruises of six to 24 days require full payment 90 days or more ahead of time, and for world cruises, your bill is due 120 days or more before you set sail.

Check out the breakdown on Princess' website .

Royal Caribbean cruise payment schedule

Deposit amounts vary by sailing and the number of people in each cabin for Royal Caribbean bookings. Generally, passengers can expect to front $200 per stateroom (rather than per person) for sailings of five nights or fewer, $500 per cabin for six- to nine-night voyages and $900 per room for cruises of 10 nights or longer.

Deposits for Royal Caribbean bookings are generally nonrefundable at any time unless cruisers specifically purchase fully refundable fares.

For sailings of four nights or fewer, the final payment is due 75 days or more prior to the embarkation date. For five-night voyages and longer, the cruise line must receive all money no fewer than 120 days from sailing. The deadline for world cruises is at least 180 days prior to departure.

Read more on Royal Caribbean's website in the line's FAQ section .

Bottom line

Travelers have many options when it comes to paying for a cruise. You can pay in full at the time of booking or choose cruise payment plans that allow you to make a deposit for each person in your party and then pay off the balance over time.

Additionally, payment methods may include credit cards, third-party payment systems, gift cards, cruise certificates and cash.

Ultimately, the best way to make cruise payments is whichever one works best for you and your specific circumstances. What matters most is that you pay the cruise line in full by its designated final payment date, so your reservation is confirmed and you can set sail on departure day.

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News on cruises, cruise ship reviews and cruising tips

Cruising is Diane’s travel passion since it’s such a fun and easy way to see the world. She’s been on 90 cruises (179 travel media trips) as an Accredited Journalist, visited 54 countries and is eager to provide you with cruise inspiration and information. She also has 137,000+ Followers on Instagram @Cruiseguru and several of her Reels have had 2.1 to 10.8 million views.

MEDIA BACKGROUND

Diane Tierney is an award-winning Canadian travel columnist/reporter with 650+ articles and special supplements published in the Toronto Star, Toronto Sun, Metro News, National Post, Maclean’s, enRoute, Ottawa Citizen, Hamilton Spectator, London Free Press, Fort-Worth Star Telegram and many more newspapers and magazines in Canada and the U.S. since 1981.

While in Journalism school in her 20s, she wrote ski articles for the Toronto Star. When she was in her 30s, after having two children, she began a monthly column for the Star called “Taking the Kids” about family travel, as well as a weekly column called “Close to Home.” In her 40s, she launched the Star’s monthly cruise column called the “Shipping News” which ran until 2012. 

During this time she was also Editor-in-Chief of CAA Magazine (Leisureways  and Journey), Canada’s largest travel magazines from 2000 to 2006 (circulation 1.7 million readers) , as well as several other national magazines about travel and home decor.

In 2013 she became Managing Editor, Special Features, for Metro News and its 10 daily newspapers across Canada . She managed 17 reporters and seven graphic designers.

Diane now freelances for many major national publications about cruise travel and is also Cruise Reporter for “Our City Tonight” TV that reaches six million households.

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This below show on the Cruising Comeback was broadcast twice: July 18 and July 25, 2021.

Watch the cruise segment here:

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According to Survey results, 91.73% of Canadian travel professionals are most aware of Pax magazine compared to other print trade publications in the market. Travelweek ranked second (85.89%), followed by Travel Press (75.6%) and Travel Courier (73.48%). Of those four publications, Pax magazine showed the highest readership rate (76.50%), followed by Travelweek (69.50%); Travel Press (49.75%); and Travel Courier (47.25%).

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Today’s Bride Destination Wedding Magazine Spring/Summer 2023

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Ultimate Vacations Winter 2021/22: “Back to Nature” (Cunard Alaska Cruise):

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Toronto Star stories appear here (300+ articles):

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Diane participates in many media fam trips hosted by airlines, cruise lines, hotels and resorts.

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Vacation financing, stop waiting to start cruising .

Booking with our payment options and methods make it easier than ever to celebrate a milestone occasion or cruise with your crew — anytime, anywhere.

✔ choose your cruise 

Whether it’s beachside bliss, European wonders or anywhere in between, you can book a cruise vacation to any destination. Browse our site and select the cruise you want.  

✔ SELECT PAYMENT OPTION

Once you’ve chosen your cruise, its time to book. Upon checkout, choose from different options like gift card, credit card or pay over time with Affirm.

✔COMPLETE YOUR PURCHASE

Just like that you’re ready for a vacation full of adventure or relaxation. You can manage your cruise experience by downloading the Royal Caribbean App .

PAYMENT OPTIONS

Booking a cruise has never been easier with so many payment options to choose from. Whether you need a little more time to think it over with a courtesy hold or want to pay over time, we give you the flexibility you want to score the vacation of a lifetime.

COURTESY HOLD

Need time to think it over? We’ll hold your reservation — including any promotions — for up to two days* while you coordinate vacation plans with your crew.

*The 2-day hold expires at 11 p.m. EST/EDT on the second day after booking.

scheduled payments

Book your cruise now and pay little by little. Or make a lump sum payment for the entire balance no later than the final payment date. The choice is yours.

total balance

Pay the full balance at the time of booking and start packing! This worry-free option sets you up for instant vacation mode. All that’s left to do is enjoy your upcoming adventure.

PAYMENT METHODS

Making a payment toward your upcoming cruise is a breeze with several convenient options. From Affirm to Royal Caribbean Gift Cards, we accept a variety of payment methods to snag your best vacation ever.

CREDIT CARD

Secure your cruise today with a minimum credit card deposit. Then schedule subsequent payments to be automatically charged to your card before your sail date. Or charge the full balance up front.

Need a little more time? Select Affirm during checkout for instant financing options to cruise now and pay later — even after your vacation has ended.

A Royal Caribbean Gift Card can pay for a portion of your cruise — or someone else’s. They’re easy to purchase, send, and redeem toward cruises and onboard purchases on U.S. sailings.

WHY CHOOSE AFFIRM?

From cotton-candy sunsets in Santorini to giant glaciers in Alaska and post-card pretty beaches in the Caribbean, Royal Caribbean® offers the boldest adventures on the industry’s best ships. Explore the world on your own terms with flexible payment plans through Affirm †. Book now and pay over time for as low as 0% APR with no late or hidden fees. 

PAY over time

Book now and pay over time with fixed monthly installments for as low as 0% APR.

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Affirm won't charge you late fees, hidden fees, compund interest, or penalties of any kind—ever.

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ROYAL CARIBBEAN GIFT CARD GIVE THE GIFT OF ADVENTURE

Max out the memories with a Royal Caribbean® Gift Card. Easy to purchase, send and redeem, Gift Cards let them choose the adventure that’s right for them — or splurge on onboard faves like specialty dining, beverage packages, spa services, shore excursions and more. All it takes is a few clicks to email a gift that’s customizable, convenient and flexible. And since the value never expires, family and friends can make bold new discoveries on their own time.

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WEEKEND VS. WEEK LONG GETAWAYS

A Bolder Way to Getaway

WEEKEND GETAWAYS

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CARDHOLDERS GET MORE 

There’s a sea of incredible benefits to enjoy with the Royal Caribbean Visa Signature® card even when you’re not sailing. From rental car coverage and roadside assistance to price protection and purchase security, cardholders enjoy these benefits with their card.

LEARN MORE ABOUT THE ROYAL CARIBBEAN VISA SIGNATURE® CARD

LEARN MORE ABOUT THE ROYAL CARIBBEAN VISA SIGNATURE® VISA CARD

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How do I make payments on my booking?

In order to make payments to your reservation(s), please follow the steps below:

• Go to www.carnival.com
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* Please note, you can only make payments online if you have booked directly with Carnival. If you have booked through a travel advisor, please contact them to make payments.

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Cruise Guru Review: Is it worth booking through?

• September 21, 2023
• Travel Tips

Cruise Guru is a popular Australian website for booking cruises. They often offer some of the best deals on cruises. But are there any hidden catches to booking through a travel agent like Cruise Guru? Here’s my review:

Note – This isn’t a sponsored review and I’m not getting paid by CruiseGuru. This is simply based on my own travel experience.

Pros and Cons of Booking Through Cruise Guru

Before booking through Cruise Guru here are some of the pros and cons:

Cruise Guru Can List Better Prices

Unlike airlines, cruise companies still offer discounts to travel agents who can pass these deals onto you. When browsing through Cruise Guru I was able to find cheaper prices for certain cruises compared to searching direct with the cruise line.

This doesn’t mean Cruise Guru always has the best price and it is worth shopping around as different booking sites may have better deals. In general I’ve the deals and prices on Cruise Guru to often be the best.

Last Minute Cruise Deals

Cruise Guru has a a dedicated section for Last Minute Cruise Deals. Cruise Lines do seem to offer discounts for last minute cruises where as airlines do the opposite and bump the price up.

For example when putting together this post, I saw a P&O cruise leaving in a week for just $376 for 3 nights. While obviously you’ll spend a bit more on drinks , this will still end up being a really cheap holiday in the current economy!

I wasn’t able to book this cruise through P&O’s website, so this is definitely one advantage to using a website like Cruise Guru.

Exclusive Offers

Travel Agents do have exclusive deals on cruises. Cruise Lines do offer deals to travel agents. And it does make it worth booking through a travel agent. You’ll be able to get extra onboard spending money, free drinks packages and more. The deals available will depend on the time of year and cruise line.

If a cruise line has a special deal available on their own website, I’ve found that Cruise Guru does seem to offer it when booking through them as well.

Cancellation Fees

One downside of booking with a travel agent like Cruise Guru over booking direct with the cruise line are the additional fees if you need to cancel a booking. Cruise Guru charges a $110 per person fee on top of the fee the cruise line charges. If you book direct with the cruise company you’d only need to pay their fee.

You Can Enter Your Loyalty Number

Cruise Lines run loyalty programs where you get rewarded the more your cruise with special perks. If you’re worried you won’t get credit by booking through a travel agent, that’s not the case. On CruiseGuru you can enter in your loyalty or passenger number and this will be part of your booking.

Is Cruise Guru Legit?

Yes, Cruise Guru is a legit booking site. They are an accredited travel agent in Australia.

Is it Worth Booking through CruiseGuru.com.au

If you can get a good deal on CruiseGuru I think it’s definitely worth booking through. When I comes to flights, my recommendation post covid has been to book direct with the airline because it’s easier and cheaper to change itineraries. But this isn’t as much of an issue with Cruise bookings. Cruise Guru does charge a cancellation fee on top of the fee the cruise line will charge you which is one downside.

Related Posts

P&O Drinks Menu: 2023 Prices

• August 17, 2023

Flight Network Review: Is it Legit?

• August 15, 2023

Jettzy Review: Is it Legit?

• August 22, 2023

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• Carnival-Easypay

Book at least 5 months ahead for the best selection of eligible sailings. ( What makes one eligible? )

During checkout, when we ask how you want to pay, choose EasyPay.

Pay just the deposit today. (So small!) We’ll split the balance into easy monthly payments.

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Cruise Guru to Waive Cancellation and Amendment Fees

In the midst of the Novel Coronavirus (nCoV) outbreak, Cruise Guru announces that cancellation and amendment fees on certain cruises will be waived

SYDNEY, February 14, 2020 (Newswire.com) - The recent developments of the Novel Coronavirus (2019-nCoV), officially named COVID-19 by the World Health Organization, has caused concerns among potential holidaymakers. It has also pushed a number of cruise lines away from Asia. Given the circumstances, Cruise Guru reaffirms its continued promotion and support of the Australian cruise market by relaxing the conditions of its reduced deposit campaigns.

The trusted Australian cruise provider will be waiving the cancellation and amendment fees for certain sailings. For all new bookings made between 11 February 2020 and 8 March 2020 specifically on Cruise Guru’s $25 per person deposit campaigns, applicable to specific fares and departure dates on Carnival Cruise Line, Celebrity Cruises, Cunard, Holland America Line, Princess Cruises, Royal Caribbean and Norwegian Cruise Line, the cancellation and amendment fees will be waived up until the date final payment is due. This is specified on the Cruise Guru invoice. 

This initiative affords Cruise Guru’s customers the comfort of still being able to book their future cruise holiday whilst enjoying the most competitive deposit rates in the industry, with the added flexibility to amend, rebook or cancel their cruise within the applicable period before final payment is due. Cruise Guru trusts this will help to alleviate concerns customers may have on booking their next cruise, given the unknown length of the impact on the industry by this current outbreak of the Novel Coronavirus (2019-nCoV).

For more information and assistance on applicable fares with refundable deposits, please visit the Cruise Guru website  or contact Cruise Guru directly by telephone on 131303 or by email at  [email protected] . 

For media enquiries, please contact [email protected] .

Cruise Guru Level 1/171 Clarence St, Sydney NSW 2000 Australia 13 13 03

Source: Cruise Guru

• cruise fees
• Cruise Guru
• Novel Coronavirus
• waived cancellation and amendment fees for cruises