Does applying for or accepting a Scratchpay payment plan affect my credit score in any way?

We perform one soft credit inquiry when you check your rates through Scratchpay.com, which does not affect your credit score. This allows you to view the rates and terms that may be available to you. Applying for and accepting a Scratchpay payment plan will never impact your credit score. However, like any other financing provider, if you fail to make payments on time, your credit score could be affected.