Will prequalifying affect my credit? March 15, 2021 14:40 Updated Nope! There won't be a hard hit when you simply prequalify. 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 Prequalify? Does PayBright check my credit? Will there be a credit check for a Pay in 4 transaction? Where can I shop with my spending limit? How do I apply for PayBright In-Store?