By Daniel Kline The cruise line has a new payment program but not everyone can use it. Americans seem to love installment payments. That has led to the rise of a number of companies that offer credit-card-like loans without the steep interest. Frequently called “buy now, pay later” (BNPL) companies, these middlemen essentially finance your purchase by collecting payment, usually with interest over anywhere from a few months to a full year. It has been a popular model as BNPL companies usually finance your purchase at much lower rates than credit card companies. In general, it’s also a pretty e…