Will prequalifying affect my credit? June 09, 2021 19:29 Updated Nope! There won't be a hard hit when you simply prequalify on our website. We only do a credit check with a bureau (such as Equifax or TransUnion) should you decide to move forward with your purchase on the retailer's website. 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?