Does this affect my credit score in any way?

We perform a soft credit inquiry when you check your rate through Scratchpay.com. This step allows you to check what rates and terms may be available to you. That inquiry will not affect your credit score at all.

However, if you are pre-approved for our Pay Over Time product, and choose to continue the Pay Over Time application, a hard credit inquiry will be performed. Hard inquiries can affect your credit score and are visible to third parties reviewing your credit report.

If you are pre-approved for our Pay Later product, and choose to continue the Pay Later application, no hard credit inquiry will be performed and there will be no impact on your credit score at all.