Planning a vacation but don’t have the funds to pay for your Airbnb stay upfront? Airbnb’s book now, pay later feature allows you to split your payment into 4 interest-free installments over time. If you’re short on time, here’s a quick answer to your question: With Airbnb’s Pay in 4 option, you can book your stay now and pay 25% today, then pay the remaining balance evenly over the next 3 payments scheduled every 2 weeks.

In this comprehensive guide, we’ll explain everything you need to know about using Pay in 4 on Airbnb for your next vacation rental booking. You’ll learn eligibility requirements, how the payment plan works, what types of stays qualify, and tips for using Pay in 4 responsibly.

What is Pay in 4 on Airbnb?

Overview and brief history of Pay in 4 option

The Pay in 4 option on Airbnb allows travelers to split the cost of their Airbnb booking into 4 interest-free installments over time. This payment method was first introduced by Airbnb in August 2019 as a way to give travelers more flexibility and affordability when booking accommodations.

With Pay in 4, the total booking cost is divided into 4 equal payments. The first payment is due at the time of booking as a deposit. The remaining 3 payments are then automatically charged every 2 weeks after check-in. This spreads out the cost, making larger purchases more manageable.

For example, if you book a 3 night stay for $400, you would pay $100 at booking, and then $100 again 14 days after check-in, $100 again 28 days after check-in, and the final $100 42 days after check-in. There are no fees or interest associated with the installment plan.

How splitting payments over time can help travelers

Pay in 4 opens up more travel possibilities for those on a budget or planning a longer stay. Since payment is divided, travelers don’t have to pay the full amount for an Airbnb upfront. This helps maintain cash flow and makes even high-end rentals more accessible.

Travelers planning extended multi-week or multi-month stays can also benefit. Rather than tying up a large sum for an entire long-term booking, costs are spread out in manageable portions.

Additionally, splitting payment for a rental across multiple pay periods allows travelers to align costs with their own monthly budget and paycheck schedule. This can make financial planning and affordability easier to manage.

Key benefits of Pay in 4 for Airbnb bookings

  • No fees or interest charges
  • Automatic installment payments
  • Maintains cash flow with smaller upfront deposit
  • Allows booking of higher-end rentals that may be unaffordable upfront
  • Spreads cost of long term bookings over time
  • Aligns with a monthly budget by dividing into pay periods
  • Easy online application process through Airbnb

Eligibility Requirements for Airbnb Pay in 4

Countries where Pay in 4 is available

Airbnb Pay in 4 is currently available in select countries around the world. These countries include the United States, Canada, the United Kingdom, Australia, and many others. To check if Pay in 4 is available in your country, you can visit the official Airbnb website or contact their customer support for more information.

Types of accounts that qualify

In order to use Pay in 4 on Airbnb, you must have a valid Airbnb account and meet certain eligibility requirements. Both guests and hosts are eligible to use Pay in 4, as long as they meet the necessary criteria.

This includes having a verified Airbnb account and a payment method that is eligible for Pay in 4.

Booking requirements and exceptions

When using Pay in 4 on Airbnb, there are a few booking requirements and exceptions to keep in mind. First, the total cost of the booking must be between $50 and $2,000. Additionally, the booking must be made at least 14 days in advance of the check-in date.

It’s important to note that not all listings on Airbnb are eligible for Pay in 4, so it’s always a good idea to check the availability of this payment option before making a reservation.

How Does Pay in 4 Work on Airbnb?

Airbnb’s Pay in 4 feature allows guests to split their payment into four equal installments, making it easier for them to book their dream accommodations without having to pay the full amount upfront.

This payment option provides flexibility and convenience for travelers, allowing them to secure their booking while managing their budget effectively.

Payment Schedule and Amounts

With Pay in 4, the total cost of the reservation is divided into four equal payments. The first installment is charged at the time of booking, while the remaining three installments are automatically deducted from the guest’s payment method on a bi-weekly basis.

This payment schedule allows guests to spread out their expenses and plan their budget accordingly.

The exact amounts and due dates for each installment are clearly outlined during the booking process, ensuring transparency and clarity for guests. This way, guests can anticipate their payment obligations and make informed decisions before confirming their reservation.

Using a Debit Card vs. Credit Card

When it comes to using Pay in 4 on Airbnb, guests have the option to choose between a debit card or a credit card as their preferred payment method. Both options offer the same convenience and flexibility, allowing guests to split their payment into installments.

However, it’s important to note that using a credit card may provide additional benefits such as earning reward points or building credit history. On the other hand, using a debit card ensures that guests are only spending the funds they have available, avoiding potential interest charges or debt accumulation.

Ultimately, the choice between using a debit card or credit card for Pay in 4 on Airbnb depends on each guest’s personal preferences and financial situation.

When Installment Payments are Charged

Installment payments for Pay in 4 on Airbnb are automatically charged to the guest’s chosen payment method every two weeks. The specific dates for these payments are determined based on the booking date and the length of stay.

It’s important for guests to ensure that they have sufficient funds available in their account or on their credit card to cover each installment payment. Failure to do so may result in additional fees or complications with the reservation.

If a guest needs to make changes to their payment schedule or update their payment method, they can do so through their Airbnb account settings or by contacting Airbnb’s customer support for assistance.

What Airbnb Stays Are Eligible for Pay in 4?

If you’re an avid traveler who loves using Airbnb, you’ll be excited to know that Airbnb now offers a convenient payment option called “Pay in 4.” This feature allows guests to split their payment into four installments, making it easier to manage their budget.

But before you start booking your next Airbnb stay with Pay in 4, it’s important to understand which stays are eligible for this payment option.

Minimum and maximum total stay cost

First and foremost, it’s crucial to note that Pay in 4 is only available for stays with a minimum total cost of $250. This means that if your booking falls below this amount, you won’t be able to use the installment payment option.

On the other hand, there is currently no maximum total stay cost limit for Pay in 4, giving you the flexibility to use this payment option for both affordable and luxurious accommodations.

Qualifying booking durations

Pay in 4 is available for stays that have a minimum duration of two nights. Whether you’re planning a short weekend getaway or a week-long vacation, you can take advantage of this payment option as long as your stay meets the minimum requirement.

Keep in mind that the maximum duration for Pay in 4 is 90 days, so if you’re planning an extended stay, you may need to consider alternative payment methods.

Ineligible stays like hotels, experiences, and long-term rentals

While Pay in 4 is a great payment option for many Airbnb stays, it’s important to note that not all types of bookings are eligible. Hotels, experiences, and long-term rentals are not currently supported by Pay in 4.

If you’re looking to book any of these types of accommodations, you’ll need to explore other payment options available on the Airbnb platform.

For more information on Pay in 4 and its eligibility criteria, you can visit the official Airbnb website here.

Now that you know which Airbnb stays are eligible for Pay in 4, you can confidently book your next adventure and enjoy the flexibility of splitting your payment into four installments. Happy travels!

Tips for Using Pay in 4 Responsibly

Avoid booking trips you can’t afford

While the Pay in 4 feature on Airbnb allows you to split your payment into four installments, it’s important to use it responsibly. One of the key tips is to avoid booking trips that you can’t afford. It can be tempting to plan a lavish vacation and spread out the payment over several months, but it’s crucial to consider your financial situation and make sure you can comfortably afford each installment.

This will help you avoid any financial strain or potential late fees.

Be mindful of payment due dates

When using Pay in 4 on Airbnb, it’s essential to be mindful of the payment due dates. Missing a payment can lead to late fees or even cancellation of your reservation. To stay on top of your payments, set reminders or notifications on your calendar or phone.

By being organized and aware of the due dates, you can ensure a smooth payment process and avoid any unnecessary charges or inconveniences.

What happens if you miss an installment

If you happen to miss an installment, it’s important to understand the consequences. Airbnb may charge a late fee, and it could impact your future ability to use the Pay in 4 feature. Additionally, if you fail to make the payment within a specific timeframe, your reservation may be canceled.

To avoid these situations, it’s best to communicate with Airbnb if you anticipate any difficulties in making a payment. They may be able to offer alternative solutions or provide guidance on how to handle the situation.

Watch for fees from your bank

While Pay in 4 allows you to pay for your Airbnb reservation in installments, it’s essential to be aware of any fees that your bank may charge. Some banks may apply transaction fees or interest rates for using this payment method.

Before opting for Pay in 4, check with your bank to understand the terms and conditions associated with this type of payment. This will help you make an informed decision and avoid any unexpected fees or charges.


Airbnb’s book now, pay later option makes vacations more accessible by breaking up payments over time. With Pay in 4, you can book your ideal Airbnb stay now and pay in 4 interest-free installments over 6 weeks.

Just be sure to understand the eligibility requirements, payment schedule, and use Pay in 4 responsibly by only booking what you can afford. Safe travels!

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