Skip to main content

BOOK EARLY. PAY LATER.

Book 12+ months in advance and get 0% APR

Cruise with 0% APR with Flex Pay

Good things come to those who book early. Use Flex Pay to book your next voyage a year in advance, and you can pay over time with 0% APR on 12-month financing terms.*

Need a vacation sooner? Well-qualified applicants may still get 0% APR up to 12-month loan terms for any sailing, anytime.

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.*

  1. Choose the voyage and the cabin or suite you want, surrounded by who you want with you

  2. Select Flex Pay - Pay Monthly as your payment method at checkout

  3. Enjoy the freedom to sail on your own terms and pay over time

Book Now

  • 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
Virgin Voyages Deals

Limited-time offers & programs

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.
Learn More

There are many benefits to financing your next cruise vacation, especially when you plan and book early to take advantage of savings and flexible payment plans.

...

Here are the most frequently asked questions about Cruise Financing.

*US: 0% APR offer available on 12 month terms for all applicants. Cruises must be booked 365 days or more in advance from the date of booking. Based on a purchase price of $2,000.00 you could pay a down payment of $123.23 today, followed by 17 monthly payments of $123.23 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: Flex Pay Lenders. Privacy Policy. Terms of Use. Upgrade, Inc. (NMLS #1548935) holds the following state licenses and does business under the following DBAs. 275 Battery St 23rd floor, San Francisco, CA 94111
​
*CA: 0% APR offer available on 12 month terms for all applicants. Cruises must be booked 365 days or more in advance from the date of booking. Based on a purchase price of $2,000.00 you could pay a down payment of $117.44 today, followed by 17 monthly payments of $117.44 at 15% APR (Annual Percentage Rate) for a total 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. 1080 Beaver Hall HI, Suite 200 Montreal, Quebec H2Z 1S8