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Will using Abunda affect my credit score?
Will using Abunda affect my credit score?
Updated over a week ago

Applying for most payment plans available on Abunda will not affect your credit score.

Please see this table for reference:

Payment plan

Credit check

Will applying affect my score?

Affirm Installment Loans

Possible hard inquiry

Possibly (creating an Affirm account and checking purchasing power will never impact score)

Affirm Pay in 4

Possible soft inquiry

No

Afterpay

Soft inquiry

No

Klarna Financing

Possible hard inquiry

Possibly

Klarna Installments

Soft inquiry

No

PayTomorrow

Soft inquiry

No

Apple Pay Later

Possible soft inquiry

No

Acima

Possible soft inquiry

No

While applying typically does not affect your credit score, it's important to note that payment history, credit utilization, and late payments may be reported to credit bureaus, which can either improve or hurt your score. To learn more about the specifics around each payment plan, see our Finance Partner Resources page.

To learn more about soft and hard credit inquiries, check out this article by our friends at ShoppingKim.com.

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