Hello @Cforck,
Thank you for visiting our community help forum!
I understand your concern about your credit score. When applying for Pay in 4, a soft credit check may be needed, but will not affect your credit score. You can review the details, by logging to your PayPal account go to Pay in 4, and click on the specific Pay in 4 plan you want to see. For any additional assistance, you can also reach out to our team through the available contact options at the bottom of PayPal page for additional assistance. Support is also available through Facebook private messages or Twitter direct messages.
I hope this information helps!
Bindu
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