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.
I have also seen passengers who have missed the ship get on a tug boat & board the cruise ship while it's moving & leaving the harbor, but again this would come out of your pocket. 363 Views Â· View Upvoters