The pre-qualification is a soft pull — no impact on your credit score. Only when you accept an offer does it become a hard pull, which most people see a 5-10 point temporary dip from. Paying on time builds your score back up and beyond.

The pre-qualification is a soft pull — no impact on your credit score. Only when you accept an offer does it become a hard pull, which most people see a 5-10 point temporary dip from. Paying on time builds your score back up and beyond.

Our lenders approve customers across a wide range — there's no single cutoff. Higher scores get better terms (longer 0% windows). If one lender declines, our system tries the next two automatically. We've seen approvals down to FICO 580 on shorter terms.

Our lenders approve customers across a wide range — there's no single cutoff. Higher scores get better terms (longer 0% windows). If one lender declines, our system tries the next two automatically. We've seen approvals down to FICO 580 on shorter terms.

No. Pay off any of our partner financing early without penalty. In fact, paying off a 0% APR plan early protects you from the deferred-interest trap if you'd otherwise miss the final payment date.

No. Pay off any of our partner financing early without penalty. In fact, paying off a 0% APR plan early protects you from the deferred-interest trap if you'd otherwise miss the final payment date.

On 0% APR plans, missing the final payoff date triggers retroactive interest on the full original amount. So if anything stretches the payoff timeline, refinance into a longer-term plan or pay it down faster — don't drag your feet. Our team can help if you're approaching the deadline.

On 0% APR plans, missing the final payoff date triggers retroactive interest on the full original amount. So if anything stretches the payoff timeline, refinance into a longer-term plan or pay it down faster — don't drag your feet. Our team can help if you're approaching the deadline.