Will pre-qualifying affect my credit? January 13, 2020 16:40 Updated Nope! There won't be a hard hit when you simply Pre-qualify. We only do a credit check with a bureau (such as Equifax or TransUnion) if you decide to complete your transaction with PayBright. Related articles How can I Pre-qualify? Will there be a credit check for a Pay in 4 transaction? Does PayBright check my credit? Where can I shop with my spending limit? How do I apply for PayBright In-Store?