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 ill-fated Royal Caribbean cruise ship returned home Wednesday with an ignoble mark. Nearly 700 crew and passengers fell ill aboard the Explorer of the Seas, the highest number of sick people reported on any cruise ship in two decades, Centers for Disease Control and Prevention data show. At least 630 passengers and 54 cruise workers got sick, but not all at the same time. Some passengers suggested that the outbreak may have been worse than reported. They claim there were 600; I think there could have as many as 1,000 sick people on board, passenger Sal Panto Jr. told CNN.