It depends on the option you choose. Our Pay-in-4 option through Klarna for purchases under $1,000 will not affect your credit score. However, we do perform a credit check with reference agencies when it comes to approving our longer term mattress financing plans. This credit check will appear as an inquiry on your credit report and it may impact your score. Other parties will also be able to see this credit inquiry on your report. All monthly financing through a Klarna credit account is issued by WebBank, member FDIC.