We do an instant, soft credit check with a bureau (such as Equifax or TransUnion) when you’re paying in Equal Monthly Payments, using a PayBright Virtual Card, Prequalifying or when you Pay in 4 biweekly instalments.
Please Note: If you are applying for an Equal Monthly Payments plan through multiple retailers, each application will be subject to a credit check. All applications through our partner, easyfinancial, are subject to a hard credit check and may impact your credit score.
