Travel SOS: Is there an easier way to pay for cruises?

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Anne is struggling to save for her cruise holiday and wants to know what options are available.


Q. Anne
My friends are keen for me to join them on their latest cruising adventure, but it does seem like quite a lot of money to spend in one big hit. I was thinking of taking out a small loan to help pay for the trip, but are there other alternatives to help me break up the cost?

friends on a cruise shore excursion

A. Earlier this year, P&O Cruises launched a buy-now-pay-later system, which sounds like it could fit the bill for you.

The plan makes it easier for passengers to budget and pay for their next holiday by offering EZpay, which spreads the cost of a cruise over time.

Passengers who book with P&O can make a deposit, then have the option to divide the cost of the cruise into equal, interest-free monthly instalments, which can be made right up to the final payment due date. Passengers have the ability to opt out of the plan at any time without incurring any additional charges or fees

P&O’s Ryan Taibel says the new payment solution opens up another simple and convenient payment option for guests looking to book their next dream holiday.

“Our guests love to cruise because it is so easy – you hop on the ship and relax because everything is done for you,” he said.

“P&O EZpay payment plan is yet another way of making a P&O cruise effortless and takes the stress out of planning and budgeting for a short getaway or longer holiday. It works like layby – simply choose your cruise, then pay it off in convenient monthly instalments.”

Passengers can choose the date of the month the instalment is made, which is confirmed in an email after the payment. Extra funds can be added to a payment with the remaining balance recalculated into equal amounts.

Carnival Cruises offers a similar service, called EasyPay, for some of its cruises. EasyPay is only available for sailings booked at least 120 days to 150 days prior to sailing, based on cruise duration and your destination.

It could be worth checking directly with the cruise line you are going to cruise with to determine whether they offer such options.

Have you used a buy-now-pay-later option for a holiday? Do you know of other cruise lines that offer this service?

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Total Comments: 6
  1. 0

    You don’t need ezypay. You’ve always been able to pay the deposit and then there is a final payment day. Just book early direct with the line and pay it off in instalments direct to the cruise company. No need for finance or debt.

    • 0

      Agreed, most cruise companies and travel agencies will help arrange a payment plan. The thing to be mindful of is that the cruise does need to be paid for about 3 months prior to the departure date and until that final payment is made, the price can change.

    • 0

      Absolutely correct. I have a cruise booked for April 2021. I booked and paid the deposit a couple of months ago and the balance is not due to be paid until early 2021. If I can’t put aside the amount in that time frame it’s obvious I couldn’t afford the cruise in the first place.

  2. 0

    Buying on credit with money that people don’t have is a growth industry.
    Our rule is if you can’t pay for it now don’t go. Sadly people feel they are owed and should be able to partake in activities their level of income cannot sustain. Its the reason some people never get on in life.

  3. 0

    I understand that you can always pay a cruise off…could this be a promotion for ezipay and Carnival and P&O?
    Royal Carribean works this way as I am sue Princess do as well.



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