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April 21, 2021

It’s no secret that cruise vacations – and companies – were badly affected by the COVID pandemic.

Fortunately, going on a cruise in 2021 and beyond is starting to look very promising.

Many people still have concerns about health protocols, however. As a result, the major cruise lines are taking many measures to ensure safety and accountability for all future passengers. Learn about what cruise lines are doing and what you can do before, during and after your cruise to make your experience as safe and responsible as possible.

Before Your Cruise

Cruise lines are currently offering increased flexibility with canceling your cruise.  Some even let you cancel 15 to 30 days before you depart, depending on cruise line.  They ask that you do not board a cruise if you are sick or have been exposed to someone with COVID-19 in the past 14 days.

It is also recommended to view any warnings and recommendations on the U.S. Centers for Disease Control travel advisories,

During Your Cruise

Most cruise lines are now promoting increased sanitation of their ships to combat COVID-19.   These include enhanced air filtration systems, including HEPA filters, which some state removes 99.95% of airborne pathogens.  In cabins, some cruise lines are using Electronic Spray Technology to clean and sanitize rooms and public areas.

Also, cruise lines are implementing standard social distancing guidelines that are common in stores and restaurants.  This includes 6 feet of social distancing and mask wearing.

In addition, if an outbreak of COVID-19 happens on the ship, cruise lines have protocals to return to the port where they embarked.  They also state that if you get sick during the cruise, to stay in your cabin and notify the onboard medical center.

After Your Cruise

After your cruise, it is recommended to get a COVID-19 test 3-5 days after your trip.   The CDC also recommends to stay home for 7 days after a cruise, even if your test is negative.

Going on a Cruise in 2021 and Beyond is Easier Than You Think

What seemed like an impossible task just a few months ago is now anything but.

Before you book a cruise, be sure to do your due diligence on each cruise line’s schedules for return, health regulations, and cancellation policies. Also, take advantage of all the options that are available to you, including promotions.

Apply for a Vacation Loan for all Your Cruise Needs

Ready to take a flight and stay in a hotel?  Need help financing your next big trip?

Apply for a vacation loan today to begin planning the cruise you deserve this year.

Blog posts are for informational purposes only.

†We offer personal loans from $1,000 to $25,000, with loans terms from 12 to 60 months. Minimum and maximum amounts dependent on an applicant’s state of residence and the underwriting of the loan. Loans between $1,500 and $15,000 may be funded online. Loans greater than $15,000 or less than $1,500 are funded through our branch network. Specific interest rates and fees are determined as permitted under applicable state law and depend upon loan amount, term, and the applicant’s ability to meet our credit criteria, including, but not limited to, credit history, income, debt payment obligations, and other factors such as availability of collateral. Not all rates and loan amounts are available in all states. Additional fees may apply to some loan offers; some state required and/or permitted fees may be treated as prepaid finance charges. Any such charges shall be in addition to the loan amount requested and/or approved and shall be fully disclosed to the applicant on his/her loan agreement. Not all applicants will qualify for the lowest rates or larger loan amounts, which may require a first lien on a motor vehicle not more than ten years old titled in the applicant’s name with valid insurance. Our loan by phone and online closing process requires a compatible mobile or computer device on which you can access your email and electronic documents. Not all loan types are eligible for loan by phone or online loan closing.


To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. As a result, under our customer identification program, we must ask for your name, street address, mailing address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.


For any stated annual percentage rate (“APR”), the APR represents the cost of credit as a yearly rate and will be determined based upon an applicant’s credit at the time of application, subject to state law limits. A range of APR’s may be applicable, subject to state law limits and individual underwriting. Not all applicants will qualify for a lower rate. APR’s are generally higher on loans not secured by a vehicle, and the lowest rates typically apply to the most creditworthy borrowers. All terms and conditions of a loan offer, including the APR, will be disclosed during the application process. As an example, with an amount financed of $5,000.00 the borrower receives $5,000.00 at an APR of 29.99% and an interest rate of 28.77% which includes a finance charge of $3,640.96. Under these terms, the borrower would make 48 monthly payments of $180.02, for a total of payments of $8,640.96. The amount financed may not be the net proceeds paid if charges other than interest are included in the loan.


*The process uses a “soft” credit inquiry to determine whether a loan offer is available, which does not impact your credit score. If you continue with the application process online and accept a loan offer, or are referred to a branch and continue your application there, we will pull your credit report and credit score again using a “hard” credit inquiry. This “hard” credit inquiry may impact your credit score.



California Residents: Loans made or arranged pursuant to a California Financing Law license.

VA Residents – Mariner Finance of Virginia, LLC, Licensed by the Virginia State Corporation Commission, Consumer Finance Company License No. CFI-114.


Mariner Finance, LLC, NMLS No. 166564 (
8211 Town Center Drive, Nottingham, MD 21236. Telephone Number 877-310-2373.

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