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.
1 And if you cancel your cruise less than 14 days before your cruise sets sail, you will receive no refund. 2  If you have booked The Haven or another Norwegian Suite category on any cruise, you must cancel at least 120 days prior to sailing to receive a full refund.