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.
The wreck of a cargo ship that capsized during a violent storm off the Scottish coast has reportedly been found on the seabed. The Cemfjord, a Cypriot-registered Cargo ship, had been carrying cement from Denmark to Runcorn in Cheshire when it disappeared on Saturday. Its eight crew members are feared dead.