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.
If you ultimately decide not to take a cruise, Disney will refund 100% of your payment for any placeholder. If you actually booked a cruise and decide not to take it, you get a 100% refund as long as you havenât passed the penalty date (120-75 days depending on the cruise), and you didnât book a concierge room or suite. For tips and tricks that will help you plan your cruise, visit the Planning Tips & Tricks for Disney Cruises page. 2  For advice that will help you save time and get the most out of your cruise once you are onboard, visit the DCL Onboard Advice page.