Disney doesn't offer a formal monthly payment plan, but you can pay for Disney vacation packages and cruises over time. You put down a deposit when you book, then pay any amount, any time, until your final payment is due. For a Walt Disney World or Disneyland package, that's a $200 deposit with the balance due 30 days before you arrive. For Disney Cruise Line, it's as little as 10% down, with the balance due 90 or 120 days before you sail.
If you book a park package 30 days or less before arrival, Disney wants payment in full when you book.
For a Walt Disney World package booked 31 days or more before arrival, the deposit is $200 per reservation, due at booking. If you add Disney's travel protection plan, its full cost is also due at booking. After that, Disney's payment options page calls it "customizable payments": the schedule and amounts are up to you, every payday, once a month or all at once. Payment in full is due 30 days before arrival. If you booked with Fun Park Go, payments go through us.
Not really. Disney's planDisney panel says tickets bought on their own are paid in full at checkout, and room-only stays have no payment plan. Part is paid at booking, and the rest is paid on arrival or ahead by phone. Disney's payment page does list PayPal Pay Later at checkout, but Pay Monthly is a loan with a 9.99% to 26% APR. The no-interest way to spread out the cost is a package, or Disney gift cards.
Under the 2027 terms, the $200 deposit is due within 3 days of booking and the balance is due 30 days before arrival. Disneyland packages are also fully refundable within 24 hours of booking if you book at least 72 hours before check-in. Planning on a budget? See how to save money at Disneyland.
Disney Cruise Line says you can book with as little as 10% down, and you can hold a new booking for up to 3 days first. Your exact deposit shows on your quote, and some special offers and restricted stateroom categories require full payment at booking.
After the deposit, you can pay any amount whenever you want. Disney's cruise planning calculator can split the balance into weekly, biweekly or monthly amounts so you can budget. Final payment is due 90 days before sailing for cruises of 5 nights or fewer, and 120 days before sailing for 6 nights or more, including concierge staterooms. You have to be paid in full before you can book Port Adventures and onboard activities, so paying early helps. Wondering if a cruise fits your budget? Read Are Disney Cruises Worth It?
Disney gift cards are one of the easiest ways to pay over time. You can buy them a little at a time and use them toward a Walt Disney World package or a Disney cruise.
Yes, Fun Park Go accepts Disney gift cards. When we take a payment for you through Disney, paying with a Disney gift card is an option, so you can put your cards toward your deposit or balance. Just have your card numbers ready when you're ready to pay.
Buying Disney gift cards below face value stacks with Disney discounts, because the gift card is just how you pay. The legit options today:
A few cautions:
Paying toward your balance before the due date costs nothing extra, because Disney doesn't charge interest.
Disney Visa cardmembers can get a 0% promotional APR for 6 months on qualifying Disney vacation packages, including Disney Cruise Line, when the trip is charged to the card before it starts. It works with Disney or an eligible travel agent. After 6 months, the standard variable APR applies.
Don't count on a grace period. Disney Cruise Line automatically cancels reservations when payments aren't received on schedule, and cancellation fees apply. Disneyland can cancel without notice if final payment isn't received. At Walt Disney World, cancelling 2 to 29 days out costs $200 per package. If money is tight, talk to your agent before the deadline.
Universal Orlando Vacations packages booked 46 days or more out need a $50 per person deposit (amounts can vary by room type), plus airfare and some add-ons, and the balance is charged 45 days before arrival. Fun Park Go is a Universal U-Preferred agency. See our Universal Orlando planning guide.
When you book with Fun Park Go, we keep an eye on your due dates and check for new discounts. Start with our Walt Disney World, Disneyland or Disney Cruise Line planning guide, or meet Janene Anderson.
Want a quote with your deposit and payment dates spelled out? Request your free quote, and we'll show you exactly what's due and when.
Not a formal monthly plan, but you can pay any amount toward your balance between your deposit and your final payment date. Disney Cruise Line calls this "Pay at Your Own Pace."
Yes, on your own schedule. After the deposit, you can pay any amount, any time, including monthly, until your final payment date. Disney doesn't charge interest on these payments.
30 days before arrival for a Walt Disney World package. If you book within 30 days, payment in full is due at booking.
Not on their own. Tickets bought separately are paid in full at checkout. Tickets inside a vacation package can be paid off over time with the rest of the package.
90 days before sailing for 1 to 5 night cruises and 120 days before sailing for 6+ night cruises, including concierge.
Yes. Each card holds up to $1,000, and you can combine cards on DisneyGiftCard.com. Fun Park Go accepts Disney gift cards when we take a payment for you through Disney.
Yes. Combine cards on DisneyGiftCard.com, up to $1,000 per card. Disney's website takes one card per payment, but Disney's phone line can take more than one. When we take a payment for you, just give us the card numbers.
The only everyday discount is 5% off at Target with a Target Circle Card. Sam's Club, BJ's, Meijer, Kroger and Best Buy run deals from time to time, usually with limits. Recent reports say Costco isn't selling Disney gift cards right now.
No. Disney's deposit and due dates are the same either way.
