What determines if my Klarna loan is up to date?

To be eligible to upgrade, customers must have made 18 full payments^ and your Klarna loan must be up to date—meaning you have made timely payments, you do not have any payments that are past due, and your credit status allows you to buy the next Xbox console with Xbox All Access. (Note: If you purchased an Xbox One X during the special upgrade offer, you may be able to upgrade earlier (see “What are the terms for the Xbox One X special upgrade offer?” FAQ above).)