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In an age where even your dentist and doctor bills can be paid in instalments, you can buy now and pay later for your holidays.

Afterpay, the controversial system which allows consumers to purchase items like clothes, and beauty services, now allows people to book travel.

But P&O Cruises has also launched its own system – P&O EZpay which spreads the cost for cruisers over a period of time.

Starting this week, you can make a deposit and then divide the cost of the cruise into equal, interest free instalments which can be made up to the final date.

Guests can also opt out of the plan any time they wish without any additional fees or charges.

And if, for some reason you miss a payment, the monthly instalments will be recalculated to include the missed payment amount.

P&O Cruises Vice President of Sales and Marketing Ryan Taibel said the new payment solution opened up another simple and convenient payment option for guests looking to book their next dream holiday.

“Our guests love to cruise because it is so easy – you hop on the ship and relax because everything is done for you.  Introducing the new P&O EZpay payment plan is yet another way of making a P&O cruise effortless and takes the stress out of planning and budgeting for a short getaway or longer holiday. It works like ‘laybuy’ – simply choose your cruise, then pay it off in convenient monthly instalments,” Mr Taibel said.

P&O also has an offer where guests booking a cruise in 2020 only have  to pay a $1 deposit and they will also get $900 onboard spending per stateroom as well. But if you want to sail this year, the line is offering up to $450 onboard spending money per room on cruise departing now until the end of the year.