It depends! We do an instant credit check with a bureau (such as Equifax or TransUnion) if you are paying in Equal Monthly Payments or if you are using a PayBright Virtual Card.
We don't do a hard credit check when you prequalify or when you Pay in 4 with our bi-weekly payment plan!
Tip: If you are applying for a Pay Monthly plan through multiple retailers, each application will be subject to a hard credit check.