Will there be a credit check for a Pay in 4 transaction? October 23, 2020 16:07 Updated Nope! We won't check your credit with a credit bureau for purchases made on a Pay in 4 plan (excluding Virtual Card purchases). 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 pre-qualifying affect my credit? Does PayBright run a credit check on customers?