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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. The timing of each payment is independent of the timing of the trip.

Klarna availability

At the checkout phase in the booking process, you’ll see the payment options available to pay over time with Klarna for your stay. You can Pay in 3 or 4 payments (4 payments every 2 weeks for 6 weeks, or 3 payments every month across 2 months, with the first payment charged when your reservation is confirmed—availability and the specific option depends on the country you’re based in) or Pay monthly with a short-term loan. Availability of the Pay monthly options also differs depending on the country you’re based in.

If you don’t see the option to use Klarna when making a booking, it means there’s no Klarna option available for this trip at the time of booking or Klarna is not available in your country. Key factors in determining payment plan availability are reservation value and how close the booking time is to the trip.

Klarna is currently not available for Airbnb Experiences. Klarna is also not currently available for monthly stays. For reservations of 28 nights or more, check out Pay for a monthly stay. Klarna availability in the US ranges by state—details below. Klarna payment plans are available to residents of Canada, along with Australia and selected countries in Europe—and are being introduced in a range of countries throughout 2023 and 2024.

Note: In the US, Klarna is not available for residents of New Mexico and Hawaii. Pay Monthly is offered in partnership with WebBank and is not available in Massachusetts and West Virginia. Due to state legislation, in Hawaii this option is only available for purchases greater than $1,500 USD. Klarna is not currently available in US Territories (excluding Puerto Rico).

Payment process

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 an eligibility 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. Based on your local market regulation, extra steps may apply, like collecting additional information or identity check.

Payment methods

Klarna accepts most major debit and credit cards such as Visa, Discover, Maestro, and Mastercard which may differ depending on the country where you’re based. Prepaid cards are not accepted.

Applying Airbnb coupons or credit

You can apply an Airbnb coupon or booking credit 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, you can see in the Klarna pop-up:

  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, the total cost of the loan, and a representative example of the annual percentage rate (if applicable for the Klarna payment method)
  4. Klarna terms and conditions and any applicable payment plan disclosures

Once you accept a Klarna payment plan and are approved by Klarna, the booking will be confirmed and you’ll receive a receipt and booking confirmation notification from Airbnb. You'll also get a receipt from Klarna via email. You can check and manage 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 or 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 check out Klarna’s Privacy Policy.

Eligibility check

The payment plan eligibility check is performed by Klarna. Airbnb has no influence on the outcome of the eligibility check, 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 of a Klarna payment plan for one trip is not a guarantee of being offered a Klarna 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. 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 pay for the additional amount in full with Airbnb.


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, if the guest is entitled to a refund under the applicable Airbnb refund and cancellation policy, Klarna will refund any payments due and cancel any future scheduled payments.

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

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

Managing a Klarna payment plan

You can view all your Klarna orders, your outstanding balance, and your payments by logging in to the Klarna app. 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 eligibility check performed by Klarna for each trip is conducted independently. Because each Klarna payment plan is independent, funds from one loan cannot be used to pay for another loan. For example, Klarna doesn’t withhold the refund from a cancelled trip, even if you are behind on payments for a non-cancelled trip.

Changing a Klarna payment plan

Changing your payment plan is not available in most countries. However, in some countries you might be able to change your payment plan from Pay in 3 or 4 payments to Pay Monthly (Klarna Financing).

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.

For US residents: Check out Klarna’s payment terms. A higher initial payment may be required for some consumers. California resident loans made or arranged pursuant to a California Financing Law licence. Monthly financing through Klarna issued by WebBank. Other California resident loans at select merchants made or arranged pursuant to a California Financing Law licence.

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