Will obtaining financing pre-approval impact my credit score?
Bread®
Checking your eligibility does not affect your credit score as only a soft inquiry is completed. If you choose a Bread payment plan after your eligibility is confirmed, Bread will not perform a hard inquiry with any credit reporting agencies. Bread may report repayment information about your account to the consumer reporting agencies, which may impact your credit score.
Katapult
Pre-qualifying for a loan will not impact your credit score whatsoever. But if you checkout with a loan, this will trigger a hard pull to your credit and will impact your score like any loan.