The New Way To Vacation

At Charter Smarter, we believe your yacht vacation should be stress-free from start to finish—including how you pay for it. That’s why we created the Yacht Vacation Layaway, the industry’s first payment plan designed exclusively for yacht charters on our select yachts. Now you can secure your yacht with ease, spread payments over time, and set sail knowing everything is taken care of.

Why Choose Charter Smarter’s Yacht Vacation Layaway?

Planning your yacht vacation months in advance shouldn’t mean paying tens of thousands of dollars at once. With our new flexible payment options, you choose the plan that works best for you and your group—without sacrificing peace of mind or exclusivity.

  • Secure Your Yacht & Dates with only a small 15% deposit

  • Equal Monthly Payments tailored to your charter start date

  • Split Payments Across Guests - up to 5 payers per booking

  • Transparent, No-Surprise Terms designed to make planning simple

Secure Your Yacht Early with Only a 15% Deposit

Other payment options require you to drop 50% or more upfront, even if your charter is months away. That means thousands tied up before you’ve even booked flights. With Charter Smarter’s Yacht Vacation Layaway, you can lock in your preferred yacht and dates with just 15% down.

  • Your yacht is reserved

  • Your dream vacation is confirmed

  • You don’t risk losing out to someone else willing to book now

Don’t lose your dates—lock them in for less.

Equal Monthly Payments Tailored to Your Charter Date

Why drain your savings or credit limit in one big lump sum? Traditional charter companies demand large milestone payments (25%, 50%, even 100%) that disrupt your cash flow. With us, your balance is split into equal monthly payments, making budgeting smooth and predictable.

  • No scrambling to come up with tens of thousands at once

  • No putting life on hold just to pay for your vacation

  • Just one manageable payment per month, tailored to your charter timeline

We’re the only company turning your luxury charter into something that’s as easy to plan for as a gym membership.

Split Payments Across Guests – Up to 5 Payers Per Booking

When you split the cost with family or friends, it can get messy: one person swipes their card, then spends weeks chasing reimbursements from everyone else. Competitors leave you to handle that stress.

With Charter Smarter’s Yacht Vacation Layaway, up to 5 payers can contribute directly—each with their own payment schedule. That means:

  • No awkward money conversations with friends

  • No Venmo reminders or IOUs

  • Everyone pays their fair share, directly to us, on time

This is group travel done smarter. Your crew shares the adventure—and the bill.

Transparent, No-Surprise Terms

Other companies bury fees in the fine print, spring extra charges at the last minute, or tack on hidden costs after you’ve already committed. We don’t play that game.

With Yacht Vacation Layaway, everything is clear from day one:

  • Your 15% deposit

  • Equal monthly payments

  • A simple 2% service fee

  • Final payment due more than 30 days before departure

That’s it. No guesswork, no surprises, no nickel-and-diming. Just a straightforward path to your yacht vacation.

All Available Payment Options

Yacht Vacation Layaway

15% upon booking, equal monthly payments

  • Available for charters starting more than 6 months from booking date

  • Initial 15% deposit secures your yacht and dates

  • Balance split into equal monthly payments with a 2% service fee

  • Up to 5 payers per charter can contribute

  • First payment due 30 days from deposit date. Final payment due at least 30 days before your charter start date

2 or 3 Payments

Perfect if you prefer fewer payment milestones

  • For charters within 6 months:

    • 50% at booking

    • 50% at least 30 days before your charter

  • For charters starting more than 6 months out:

    • 25% at booking

    • 25% at 6 months

    • 50% at least 30 days before your charter start date

1 Payment

Prefer a one time payment?

You can choose to pay your full charter balance upon booking and enjoy the peace of mind that everything is already handled.

Payment Types

We’ve made paying just as flexible as the plans themselves.

  • ACH & Bank Transfer

    • Easy transfers directly from your bank

    • For ACH, a 1% non-refundable processing fee applies

  • Credit Card

    • Accepted for all plans

    • A 3% non-refundable processing fee applies to cover processing costs

    • Note: American Express is not currently accepted

  • Mailed Checks

    • Only available for the 2 or 3 payment or paying in full options

Smooth Sailing, Every Step of the Way

With Yacht Vacation Layaway, your dream charter has never been easier to book. Secure your yacht with confidence, manage payments on your schedule, and look forward to the getaway of a lifetime.

The only thing left? Counting down the days until you’re on board.

Frequently Asked Questions

  • You can choose from three flexible options:

    • Yacht Vacation Layaway – 15% down, then equal monthly payments (for charters 6+ months out).

    • 2 or 3 Payments – spread into larger milestones (great for charters under 6 months).

    • 1 Payment – pay in full at booking for complete peace of mind.

  • A flexible payment plan that lets you reserve your yacht and dates with just a 15% deposit, spreading the rest across manageable monthly payments.

    • Choose Layaway if you want smaller, predictable monthly payments.

    • Choose 2 or 3 Payments if you prefer fewer milestones and have more flexibility upfront.

    • Choose Pay in Full if you’d rather handle everything at once and focus on the countdown to your charter.

  • With the Yacht Vacation Layaway, only 15% of the total charter cost is required to secure your booking—much lower than the standard 50%.

  • The balance is split into equal monthly payments, tailored to your charter start date for simple budgeting.

  • Yes—up to 5 payers can each pay their share directly, streamlining group payments and eliminating awkward reimbursements.

  • No—terms are transparent. You’ll know from the start: the 15% deposit, equal monthly payments, a straightforward 2% service fee, and the final payment due timeline.

  • Yes. You may include a 20% gratuity in advance, held securely in escrow. Funds are released to the crew only after your approval within 10 days — so you won’t need to worry about carrying cash or last-minute transfers at the end of your trip.

  • A simple, one-time 2% service fee is applied to the total price of the charter.

  • The final installment is due anytime more than 30 days before departure, giving you flexibility and peace of mind.

  • We offer several flexible methods:

    • ACH (1% processing fee).

    • Credit Card (3% processing fee; American Express not accepted)

    • Mailed Checks (available only for 2–3 payments or pay-in-full options)

  • Traditional charters often require large lump-sum payments (25–50% or more) upfront. Layaway eases cash flow and allows better planning.

  • It’s offered on select yachts only—so you’ll want to confirm eligibility with your charter specialist.

  • Simply express your interest in Layaway during booking inquiries—via live chat, inquiry form, or call—and your specialist will guide you from there.

Let’s Book Your Charter

Submit the inquiry form below to get matched with your ideal yacht and crew!

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