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Pay over time with Klarna

Planning a trip that you’d like more time to pay off?

With a ‘pay over time’ payment plan from Klarna you can pay for a trip over a number of weeks or months—giving you greater flexibility on how and when you want to pay. 

Opting for a Klarna payment plan allows you to take out a small, short-term loan with Klarna. The timing of each payment is independent of the timing of the trip. We currently offer two 'pay over time' plans: Pay in 4 payments with Klarna and Pay monthly with Klarna.

Note: Klarna payment plans are available to the majority of residents of the USA and Canada — and are being introduced in a range of countries throughout 2023.

Pay in 4 payments with Klarna

4 payments every 2 weeks for 6 weeks. Provided payments are on time, there are no extra fees. Klarna supports debit and credit cards, bank transfers and other payment methods.

The first payment will be taken from your credit or debit card when your reservation is confirmed. The remaining three payments will be automatically charged to your card bi-weekly afterwards.

    Note: Not available ​​for residents of New Mexico and Hawaii. Klarna is not currently available in US Territories (excluding Puerto Rico). US disclosure: See payment terms. A higher initial payment may be required for some consumers. CA resident loans made or arranged pursuant to a California Financing Law license. Canada disclosure: See Canadian payment terms. A higher initial payment may be required for some consumers.)

    Pay monthly with Klarna

      Monthly payments until the plan is fully paid. Debit cards only. Loan application is quick, and there is no impact to your credit by applying. Once you’ve been approved and take out a loan, you’ll receive reminders and can manage your payments directly within the Klarna app.

        Note: Not available in Canada, and in the following US States: Massachusetts and West Virginia. Due to state legislation, in Hawaii this option is only available for purchases greater than $1,500. US disclosure: Monthly financing through Klarna issued by WebBank, member FDIC.

        Pay over time availability

        At the checkout phase in the booking process, you will see the best available payment options for your stay - including any pay over time Klarna payment plan options.

        If you do not see the option to apply for a Klarna payment plan when making a booking, it means there is no ‘pay over time’ option available for this trip at the time of booking.

        Key factors in determining payment plan availability are reservation value and how close the booking time is to the trip. Where two Klarna payment plans are available, you can only choose one.

        Note: 'Pay over time' is not currently available for monthly stays. For reservations of 28 nights or more see Pay for a monthly stay.

        Payment process overview

        On the Confirm and pay page during the booking process, select a Klarna payment option. If you already have a Klarna account, you can log in and proceed to the payment process.

        Note: Klarna verifies your personal information and performs a soft credit check to determine if they can offer you a payment plan.

        Setting up a Klarna account and payment plan

        1. On the Klarna pop-up, select Log in or create account
        2. Next, select Send code to confirm your phone number with Klarna
        3. Enter the 6-digit code sent to your phone
        4. Confirm your email and select Continue
        5. Provide your date of birth, first and last name and address
        6. Add your credit card details and select Add card
        7. To complete the process, select Pay

        When the booking is complete, you can manage and update the payment plan directly with Klarna.

        Payment methods

        Klarna accepts most major debit and credit cards such as Visa, Discover, Maestro and Mastercard. Prepaid cards are not accepted. Guests with US residency must pay in USD with a US-issued debit or credit card and US residential address. Guests with Canadian residency must pay in Canadian dollars with a CA-issued debit or credit card and CA residential address.

        Applying Airbnb coupons or credit

        You can apply an Airbnb coupon or credit booking before setting up a Klarna payment plan. Only the net booking value will be considered for payment plan approval. If you cancel a reservation, the coupon can’t be used again.

        Accepting or declining a Klarna payment plan

        Before you accept a Klarna payment plan, in the Klarna pop-up, you can see:

        1. The payment amount due immediately
        2. Any scheduled upcoming payment amounts and due dates
        3. Itemized details on the cost of fees, taxes and, for Pay Monthly plans, interest
        4. Klarna terms and conditions and any applicable payment plan disclosures

        Once you accept a Klarna payment plan, you’ll receive a receipt and booking confirmation notification from Airbnb. You'll also get a receipt from Klarna via email. You can check the status of your payment plan in your Klarna account.

        Declining a Klarna payment plan does not affect your trip planning. You can still select one of the available payment options from Airbnb.

        Payment plan eligibility 

        To be eligible for a Klarna payment plan, you must:

        • Be at least 18
        • Have a valid bank card and bank account
        • Be able to receive verification codes via text

        Once you apply for a Klarna payment plan, any personal information you have provided to Klarna can be used by Klarna to verify your identity for future payment plan applications. For more information on how Klarna may use your personal information, please see here.

        Eligibility check

        The payment plan eligibility check is performed by Klarna. Airbnb has no influence on the outcome of a credit check conducted by Klarna. If your loan application is declined by Klarna, you can still pay for the reservation using another payment method.

        An offer for a payment plan for one trip is not a guarantee of being offered a payment plan for other trips—or for additional charges because of a reservation change request.

        Information shared with Klarna

        Guest information that may be shared by Airbnb with Klarna for the purpose of identity verification is limited to:

        • First & last name
        • Phone number
        • Email address
        • Date of birth

        For information on how we handle your personal data, check out our Privacy Policy.

        Changing a booking paid using Klarna

        Even with a Klarna payment plan, you can cancel or change your booking. For example, changing the trip dates, adding extra guests or insurance. You can make any changes needed directly through Airbnb.

        If the cost of your trip is reduced, Klarna will send an adjusted statement and payment schedule. If the cost of your trip increases, you'll have the option to pay the additional amount in full, or add the amount to a new payment plan.


        Refunds are issued from Airbnb to Klarna and from Klarna to guests. These transactions are separate. You can make the cancellation directly through Airbnb. Once the cancellation is confirmed, Klarna will refund any payments collected, and cancel any future scheduled payments. 

        You can monitor the status of your payment plan with Klarna. For queries on the status of a Klarna payment plan refund can reach Klarna any time at, or by downloading the Klarna app.

        For detailed information on changing a trip, canceling a trip and how refunds work, check out our Help Center page on Changing a Klarna payment plan.

        Managing a Klarna payment plan

        You can view all your Klarna orders, outstanding balance and payments by logging into the Klarna app or website. Once logged in, select My Klarna to navigate between your purchases and payments.

        Get the Klarna app.

        Multiple payment plans

        It's possible to have multiple concurrent and consecutive Klarna payment plans. The credit check performed by Klarna for each trip is conducted independently. Because each Klarna payment plan is an independent loan, funds from one loan cannot be used to pay for another loan. For example, Klarna doesn’t withhold the refund from a canceled trip, even if you are behind on payments for a non-canceled trip.

        Changing a Klarna payment plan

        Once you accept a Klarna payment plan, it is not possible to change from one payment plan to another. For example, it's not possible to move from a Pay Monthly plan to a Pay in 4 plan.

        However, you can update your payment method and, depending on the plan, extend your payment due dates. These actions can be done directly in your Klarna account. For more information, check out the Klarna website.

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