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? |
Acima | Possible soft inquiry | No |
Affirm Monthly | Possible hard inquiry | Possibly (creating an Affirm account and checking purchasing power will never impact score) |
Affirm Pay in 4 | Possible soft inquiry | No |
Cash App Afterpay | Soft inquiry | No |
Klarna Financing | Soft inquiry | No |
Klarna Installments | Soft inquiry | No |
Zip | Soft inquiry | No |
While applying typically does not affect your credit score, what happens after checkout can. Some lenders now report installment activity, including on-time payments, to the credit bureaus. Paying on time may help your score over time, while late or missed payments can hurt it. To learn more about each lender, see our Finance and Leasing Provider Resources page.
To learn more about soft and hard credit inquiries, check out this article by our friends at ShoppingKim.com.
Checked out with Apple Pay or Google Pay? The credit check comes from the lender you selected inside the wallet, not the wallet itself. Use that lender's row above (Apple Pay: Affirm or Klarna. Google Pay: Affirm, Zip, or Klarna).