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.
From 29 to15 days prior to sailing, the penalty is 75% of the total fare or the deposit amount, whichever is greater. From 14 days prior to sailing to the day of your cruise, the penalty is 100%* of the total fare. No refunds will be made if you do not show up for your cruise or if you interrupt or cancel your vacation once it has begun.