Will I get a credit check when choosing one of your payment plans?Updated 4 months ago
We offer payment plans through Afterpay, Affirm, Zip, Klarna and Partial.ly. Affirm states “Creating an Affirm account and seeing if you prequalify will not affect your credit score. If you decide to buy with Affirm, these things may affect your credit score: making a purchase with Affirm, your payment history with Affirm, how much credit you've used, and how long you’ve had credit.” Please see more details here. Zip mentions in their faq: “ As a responsible provider of credit, we consider a number of factors as part of our assessment process. When you apply for a Zip account, we may need to perform identity and/or credit checks to verify your details and confirm you can make repayments.” Please see more details here. Klarna mentions "We do not always perform a credit check on you, nevertheless, as a responsible lender, we want to make sure we’re helping our customers make the right financial decisions for their circumstances. When a credit check is performed, we verify your identity using the details you provided and we look at information from your credit report to understand your financial behavior and evaluate your creditworthiness." Please see more details here. Afterpay mentions “Afterpay does not affect your credit score or credit rating. Your credit score can be impacted when somebody does a credit check on you or if you are reported as paying debts late; at Afterpay, we never do credit checks or report late payments.” Please see more details here. Partial.ly mentions in their faq: “No, Partial.ly does not require any credit check.” Please see more details here.