The loan term can run one to seven years. Long term loans may not be a good idea if you plan to trade the car in after three or four years; at that point you may still owe more on the loan than the car is worth.
If you do miss the ship, go into the cruise terminal and talk with the port agents, who are in contact with both shipboard and shoreside personnel. They can help you decide the best way to meet your ship, and start to pave the way for rejoining your cruise, which will be already in progress without you.
Missing the Ship at the Initial Departure Port. If you miss a cruise at the first port of departure, you should talk to the people at the port to see if they have any information on what to do. Some cruises have offices at the ports from which they operate, and you will be able to handle the situation from there.