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How-to • Guest

Who’s eligible to use pay over time with Klarna

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 in your country of residence
  • Have a valid card/bank account
  • Have full legal capacity to enter into a contract
  • Be able to receive security verification codes via SMS text message

Please visit the Klarna website for specific requirements based on your country of residence.

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.

Klarna’s payment plans availability and requirements vary by country. 

Klarna is available in the US, but pay monthly is not supported in Iowa, West Virginia, or Massachusetts.. 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: Due to state legislation, in Hawaii pay monthly financing is only available for purchases greater than $1,500. Klarna isn't currently available in US Territories (excluding Puerto Rico).

How an eligibility check run by Klarna works

The eligibility check is conducted by Klarna, and Airbnb does not influence the outcome of this assessment. If your application is declined by Klarna, you can still complete your reservation using an alternative 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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