Will there be a credit check for a Pay in 4 transaction? September 30, 2021 14:09 Updated We do an instant, soft credit check with a credit bureau for purchases made on a Pay in 4 plan, but don’t worry, this won’t impact your credit score! Related articles What's a Pay in 4 plan? Does PayBright check my credit? What methods of payment can I use for a Pay in 4 plan? Will prequalifying affect my credit? Does PayBright run a credit check on customers?