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How To Pay Airbnb With Klarna: A Step-By-Step Guide

Planning a trip but short on cash? No problem! Paying for your Airbnb reservation with Klarna makes it easy to book now and pay later. 

If you’re short on time, here’s a quick answer: To pay for an Airbnb with Klarna, simply select Klarna as your payment method during checkout on the Airbnb website or app. You’ll then go through Klarna’s quick and easy financing process to split your total into 4 interest-free payments over 6 weeks.

In this comprehensive guide, we’ll walk you through step-by-step how to use Klarna to finance your next Airbnb stay.

What is Klarna?

Klarna is a Swedish fintech company that provides online financial services, including payments for e-commerce platforms like Airbnb. It was founded in 2005 by Sebastian Siemiatkowski, Niklas Adalberth, and Victor Jacobsson, with the aim of making online shopping easier and more flexible for consumers.

Today, Klarna has grown to become one of the largest online payment providers in Europe, serving millions of customers and partnering with thousands of merchants.

Brief history of Klarna

Klarna started as a simple idea to offer customers the option to buy now and pay later, without the need for credit cards. The company quickly gained popularity in Sweden and expanded its services to other European countries.

In 2017, Klarna received a banking license from the Swedish Financial Supervisory Authority, allowing it to offer even more financial services to its customers.

Over the years, Klarna has continued to innovate and introduce new features to enhance the online shopping experience. They have developed partnerships with major retailers and e-commerce platforms, including Airbnb, to offer convenient and flexible payment options to their users.

How their payment plans work

Klarna offers a variety of payment plans to accommodate different customer preferences.

One of their most popular options is the “Pay in 4” plan, which allows customers to split their purchase into four equal payments.

The first payment is generally due at the time of purchase and the remaining payments spaced out over six weeks. This can be a great option for those who want to spread out the cost of their Airbnb stay.

Another popular option is the “Pay Later” plan, which allows customers to make the purchase and receive the product before paying. The payment is typically due within 30 days, giving customers the flexibility to try out their Airbnb accommodation before committing to the payment.

Klarna also offers longer-term financing options for larger purchases. These plans allow customers to pay for their Airbnb stay over a period of several months or even years, depending on the terms and conditions of the financing agreement.

It’s important to note that while Klarna provides these payment options, they do conduct a soft credit check on customers to assess their ability to make payments. This check does not impact the customer’s credit score and is solely used to determine eligibility for the payment plans.


Advantages of Using Klarna for Airbnb

When it comes to booking an Airbnb, using Klarna as your payment method can offer several advantages that make the process more convenient and flexible.

Let’s explore some of the key benefits:

Pay over time interest-free

One of the biggest advantages of using Klarna for Airbnb is the ability to pay for your stay over time, interest-free. This means that instead of paying the full amount upfront, you can spread the cost over several months without incurring any additional charges.

This can be particularly helpful if you’re planning a longer trip or if you prefer to manage your expenses in a more manageable way.

No impact to credit score

Using Klarna to pay for your Airbnb won’t have any impact on your credit score. Unlike traditional credit cards or loans, Klarna doesn’t require a credit check or impact your credit history.

This can be reassuring for those who are conscious about maintaining a good credit rating or for individuals who may have limited credit history.

Quick and easy application

Applying for Klarna is a quick and straightforward process. With just a few simple steps, you can create an account and start using Klarna for your Airbnb bookings.

The application can typically be completed online, and you’ll receive an instant decision on your eligibility. This means you can start planning your trip and booking your accommodation without any delays.

More flexibility in trip planning

By using Klarna for Airbnb, you gain more flexibility in your trip planning. With the option to pay over time, you can secure your desired accommodation without worrying about the immediate financial burden.

This allows you to make reservations well in advance and gives you the freedom to adjust your travel plans if needed. Whether you’re planning a spontaneous getaway or a meticulously planned vacation, Klarna offers the flexibility you need.

Step-by-Step Guide to Paying for Airbnb with Klarna

Create an Airbnb account

The first step in paying for your Airbnb booking with Klarna is to create an account on Airbnb’s website or mobile app. This process requires you to provide some personal information, such as your name, email address, and phone number.

Once you’ve created your account, you can start exploring the wide range of accommodations available on Airbnb.

Airbnb account

Browse Airbnbs and select dates

After creating your Airbnb account, you can browse through the various listings to find the perfect accommodation for your stay. You can filter the options based on location, price range, amenities, and other preferences.

Once you’ve found a listing that meets your requirements, select the dates for your stay and proceed to the booking page.

Begin checkout process

On the Airbnb booking page, you will find the details of your selected listing, including the total cost of your stay.

To proceed with the payment, click on the “Book” or “Reserve” button. This will take you to the checkout page, where you can review your booking details and make any necessary adjustments.

Select Klarna as payment option

During the checkout process, you will be presented with different payment options. Look for the Klarna logo or select Klarna from the list of available payment methods.

By choosing Klarna, you can take advantage of their flexible payment options, such as splitting the cost into installments or delaying the payment.

Provide info and confirm identity

Once you’ve selected Klarna as your payment option, you will be asked to provide some additional information, such as your date of birth and social security number.

This step is necessary for Klarna to verify your identity and determine your eligibility for their payment plans. Rest assured that your information is securely handled and protected.

Agree to Klarna terms

Before proceeding with the payment, you will need to review and agree to Klarna’s terms and conditions. These terms outline the payment schedule, interest rates (if applicable), and any fees associated with using Klarna’s services.

Make sure to read through them carefully to understand your financial obligations.

Get final approval

Once you’ve provided the necessary information and agreed to Klarna’s terms, you will receive a final approval decision from Klarna. This decision will determine whether you can proceed with the payment using Klarna’s services.

If approved, you can move on to the final step of completing your Airbnb booking.

Complete Airbnb booking

After receiving the final approval from Klarna, you can complete your Airbnb booking by confirming the payment. Once the payment is processed, you will receive a confirmation email from Airbnb with all the details of your booking.

Congratulations, you have successfully paid for your Airbnb stay using Klarna!

For more information about paying for Airbnb with Klarna, you can visit Klarna’s official website or check out Airbnb’s help center section on payment options.

Tips for Using Klarna Responsibly

When it comes to using Klarna for payments on Airbnb, it’s important to understand how to use it responsibly. Klarna offers a convenient way to split your payments into installments, but it’s crucial to manage your payments effectively to avoid any unnecessary fees or complications.

Here are some tips to help you use Klarna responsibly:

Understand payment schedule

Before using Klarna to pay for your Airbnb booking, make sure you fully understand the payment schedule. Klarna allows you to divide your payment into multiple installments, which are typically due every two weeks.

It’s essential to know the exact dates when your payments are due to avoid missing any deadlines.

Set payment reminders

To ensure you never miss a payment, consider setting up payment reminders. Klarna provides various ways to receive reminders, such as email notifications or push notifications through their mobile app.

By setting up these reminders, you can stay on top of your payments and avoid any late fees or penalties.

Pay on time to avoid fees

One of the most important aspects of using Klarna responsibly is paying your installments on time. Late payments can result in additional fees and potentially affect your credit score.

By paying on time, you can maintain a good relationship with Klarna and avoid any unnecessary charges.

Pay on time

Contact Klarna if you need to adjust payment plan

If you find yourself in a situation where you are unable to make a payment on time, it’s crucial to reach out to Klarna as soon as possible. They may be able to work with you to adjust your payment plan or provide alternative solutions.

It’s always better to communicate proactively rather than waiting until after a missed payment.

Remember, using Klarna responsibly is essential to ensure a smooth and hassle-free payment experience. By following these tips, you can make the most out of Klarna’s convenient payment options while avoiding any potential issues.

Frequently Asked Questions about Klarna

What credit score is needed for Klarna?

Klarna is known for its flexible payment options and is available to a wide range of customers. Unlike traditional credit cards, Klarna does not have a specific minimum credit score requirement.

They evaluate each customer’s creditworthiness based on a variety of factors, including credit history and income. So, even if you have a less-than-perfect credit score, you may still be eligible to use Klarna for your Airbnb bookings.

Can I use Klarna for long Airbnb stays?

Yes, you can use Klarna for both short and long stays on Airbnb. Klarna offers payment plans that allow you to split your payments into manageable installments. This can be particularly helpful if you’re booking a longer stay and prefer to spread out the cost over time.

Just select Klarna as your payment method during the Airbnb checkout process, and you’ll be able to choose the payment plan that works best for you.

What if I need to cancel my Airbnb after booking with Klarna?

If you need to cancel your Airbnb reservation after booking with Klarna, you should first contact Airbnb to initiate the cancellation process. Once the cancellation is confirmed, Klarna will be notified, and any payments made will be adjusted accordingly.

It’s important to note that Klarna’s refund policies may vary depending on the specific terms and conditions of your booking. It’s always a good idea to review the cancellation policy before finalizing your reservation.

Is my data secure with Klarna?

Yes, Klarna takes the security of your personal and financial information seriously. They use advanced encryption and security measures to protect your data and ensure that it is kept safe. Klarna is a trusted payment provider that is used by millions of customers worldwide.

They comply with strict industry standards and regulations to safeguard your information. For more information on Klarna’s security practices, you can visit their privacy policy on their official website.


Using Klarna to finance your next Airbnb stay makes it easy to book that dream vacation now, even if you’re short on funds.

Their simple financing process lets you split your total into 4 easy, interest-free payments over 6 weeks. Just remember to pay on time to avoid fees.

Have an amazing trip, and happy travels!

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