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.