Just about any travel agent can arrange for you to pay off your cruise over time.... but it will have to paid off in FULL before you cruise!
You can make an initial deposit, then further payments along the way right until final payment date (normally 70 days prior to sailing).
BE SURE your payments are made my credit card and are debited DIRECTLY by the cruise line (through the agent). DO NOT give the travel agent money directly. In may cases it would work out, but you are putting your money at risk by doing so!!!
MasterCard, Visa, Discover and American Express will all let you make payments to pay off your cruise. Thats always an option. Unfortunately, you may not be too impressed with the interest rates. But, there are a lot of short-term interest rate deals on credit cards out there.
As a child, a library card takes you to exotic, faraway places. When you're grown up, a credit card does it.
-- Sam Ewing (Readers Digest, Dec, 1997)
I'd suggest that you put the "installment payments" in a Money Market account at your bank. It will pay interest. Then when your payment date comes up you'll have enough to pay off the cruise and a little extra!
Why let the cruiseline make use of your $$$ when you can ?
As Kuki said, be sure your payment is going directly to the cruise line, not to the TA!
"A truly happy person is one who can enjoy the scenery on a detour."
I have made many an installment for our cruises.
Ues a credit card.
I take the total of the cruise say it is $2000.00 and the cruise is 10 months away divide it up and your monthy payment is $200.00.
That is why I like to book at least a year in advance. We can plan our vacation time, and divide up the price. dont even notice it, then puuffft it is paid for.