Will accepting a Pay in 4 offer impact my credit score? December 13, 2022 20:11 Updated Follow No, we will be using information we already have on file and these loans are not reported to credit bureaus. Related articles If I return my purchase, what happens to my Pay in 4 loan? Can I have multiple Pay in 4 loans at one time? How do I set up Pay in 4? Do all merchants accept the Pay in 4 virtual card? What is Pay in 4?