Flexible payment options
We’ve made vacation budgeting easier with payment plans and no-interest options
 
Pay over time with a low monthly payment plan, courtesy of booking through Flex Pay*
 
  • Depart as soon as 5 days from when you book
     
  • Any cruise line
    Sail where you want on any of your favorite cruise lines
  • Easy application
    Receive a quick decision before you book your cruise
  • Pick your terms
    Pick the terms that work for you and your budget. You can even pay after you sail.
Select “Pay Monthly” when you check out.
 
Exclusive
Defer your cruise payment with no interest or approval†
 
  • For sailings departing in 4+ months
     
  • Most major cruise lines
    Sail on Carnival, Royal Caribbean, Norwegian, Celebrity, Princess, or Holland America
  • No approval process
    Everyone is eligible, no credit check required
  • Simple autopay
    We’ll alert you before we auto-charge your card on your payback date
Flex Pay and the deferred cruise payment products are two separate products issued and serviced by two different entities. The two product offerings are not combinable.
Select “Required Payments Only” when you check out.
Prefer to just pay your deposit or total when you book?
No problem! We accept all major credit cards.
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Questions? We’re here to help. Check out our FAQs.
 

Flex Pay monthly payment plan:

Deferred cruise payment:

Terms & Conditions
*Down payment may be required. Actual terms are based on your credit score and other factors and may vary. APRs range from 0% to 36%. Minimum $150 purchase required. Not everyone is eligible. Loans made through Flex Pay by Upgrade are offered by these lending partners: Upgrade.com/flex-pay/lenders/. Privacy Policy. Terms of Use. Flex Pay’s Address: 275 Battery St 23rd floor, San Francisco, CA 94111
†Offer is valid for most new, individual 3-night or longer Carnival, Celebrity, Holland America, Norwegian, Princess, and Royal Caribbean cruise reservations departing by 12/31/26. Offer is a maximum $500 value and not valid on bookings requiring non-refundable deposits. Deposit must be paid 10 days prior to final payment due date or 5 days prior to credit card expiration date (whichever comes first) and will be automatically charged to the credit card used at the time of booking; your final payment will also be automatically charged to the same credit card on file; if changes are made, offer will become void and the cruise line’s full deposit is required; changes resulting in a new cruise line booking are considered a cancellation, subject to cruise line's cancellation policy, our $24.99 processing fee, and $100 cancel fee. Offer limited to 5 deposited cabins max for 1 sailing. Offer is not applicable for redemption bookings. Additional restrictions apply.

Flex Pay and the deferred cruise payment products are two separate products issued and serviced by two different entities. The two product offerings are not combinable.