Book Now. Pay Monthly.

As low as $0 down + interest-free installments*

Cruise on your terms with Flex Pay

Flex Pay cruise payment plan makes paying for your voyage simple by giving you the freedom to travel when you want, with as low as $0 due at booking and the flexibility to pay over time.*

Sail on your terms

Explore more with Flex Pay 0% APR

Book in three easy steps. Flexible monthly payments give you the freedom to customize your voyage and stay on top of your budget with 0% APR and as low as $0 down.*

Choose the voyage and the cabin or suite you want, surrounded by who you want with you
Select Flex Pay - Pay Monthly as your payment method at checkout
Enjoy the freedom to sail on your own terms and pay over time

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Book Now, Pay Later

Don't put your dream voyage on hold

Low Monthly Payments

Budgeting made easy

Easy Application

Quick decision

Autopay on Autopilot

No payment dates to remember

Interest-Free
Payment Options

0% APR available

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Unexpected discounts, unrivaled rewards, and unforgettable perks to elevate your experience (far) beyond sea level. Our irresistible, limited-time offers and Red-hot Programs were designed to help you create the vacation you deserve — with the extraordinary flair that only the Virgin brand can deliver.

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Here are the most frequently asked questions about Cruise Financing.

Flex Pay gives you the freedom to book your vacation now and make payments over time with simple fixed installments. Some payment plans include interest while some are interest-free. When you’re ready to checkout, just select “Flex Pay” as your payment method, complete a short application, and receive a quick decision. Choose the terms of your payment plan, finish checking out, and enjoy your purchase. Then, pay over time with simple, no-surprise monthly payments.

Shop for your vacation just like you normally would. When you are ready to checkout, simply select Flex Pay as your payment method. To apply, you’ll need to provide some basic information like your mobile number, date of birth, and if you are a US resident, your Social Security Number. If you’re approved, finish checking out and you’re done.

We look at a number of factors, including your credit information, purchase details, and more.

You can make a payment anytime by visiting pay.flexpay.com and clicking on the Loans tab. From here, click the Make a Payment button.

We recommend that you enable AutoPay at time of purchase so that your payments are automatically deducted each month.

If you don't have AutoPay enabled, visit pay.flexpay.com, click on the Accounts page, and set the AutoPay toggle to ON.

You can also change the form of payment on file with Flex Pay anytime by visiting pay.flexpay.com.

Yes! You do need to allow a few days between booking and your departure date for things to process. Other than that, you are free to travel whenever – even before you’re all paid off.

*US: Based on a purchase price of $2,000.00 you could pay a downpayment of $117.44 today, followed by 18 monthly payments of $117.44 at 15% APR. Down payment may be waived for qualified applicants. 0% APR available for qualified applicants. Actual terms are based on your credit score and other factors and may vary. APRs range from 0%-36%. 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.

*CA: Based on a purchase price of $2,000.00 you could pay a downpayment of $117.44 today, followed by 18 monthly payments of $117.44 at 15% APR (Annual Percentage Rate) for total of repayment amount of $2,231.42 ($2,000 in principal and $231.42 in interest). Down payment may be waived for qualified applicants. 0% APR available for qualified applicants. Actual terms are based on your credit score and other factors and may vary. APRs range from 0%-34.99%. Not everyone is eligible. Applicants are subject to approval by Uplift Canada Services ULC, a subsidiary of Upgrade, Inc. Privacy Policy. Terms of Use. Flex Pay’s Canada Address: 410 Adelaide Street West, Suite 220, Toronto, Ontario M5V1S8.

Book Now. Pay Monthly.

Cruise on your terms with Flex Pay