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How-to • Guest

Who’s eligible to use Klarna to pay over time

Interested in using a payment plan with Klarna? Find out if you're eligible to get started. 

Who can use Klarna

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

  • Be at least 18
  • Have a valid bank card/bank account
  • Have a positive credit history
  • Be able to receive verification codes via text message

How Klarna determines eligibility

Klarna verifies your personal information and performs an eligibility check to determine if they can offer you a payment plan. If paying over time with Klarna is available, you’ll have the option on the checkout page to either pay for your reservation in full at the time of booking, or to pay over time with Klarna.

If you don’t have Klarna as an option or only one Klarna plan is offered (for example, pay in 4 payments) but not another (for example, pay monthly) it’s because different payment options are offered depending on the timing and value of the reservation and country of residence. 

Klarna availability in the US also ranges by state. Klarna payment plans are also available to guests who are residents of Canada, along with Australia, New Zealand, the UK and select countries in Europe—and are being introduced in a range of countries.

Note: In the US, Pay Monthly is offered in partnership with WebBank and isn't available in West Virginia. Due to state legislation, in Hawaii Pay Monthly financing is only available for purchases greater than $1,500 USD. Klarna isn't currently available in US territories (excluding Puerto Rico).

How an eligibility check run by Klarna works

The payment plan eligibility check is performed by Klarna. Airbnb doesn’t have any influence on the outcome of the eligibility check conducted by Klarna. If your loan application is declined by Klarna, you can still pay for the reservation using another payment method.

It’s important to note that 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 any additional charges because of a reservation change request.

Klarna eligibility for monthly stays or experiences

Klarna isn’t currently available for Airbnb Experiences or monthly stays.

However, if you have a reservation of 28 nights or more, check out payment plan options for monthly stays.

Contacting Klarna’s customer service

Need more help? Contact Klarna's customer service to get immediate support.

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