CareCredit and Lending Club don’t hurt your credit in the long term. In fact, it can even boost your credit score if you make your payments on time. While there may be a slight dip at first, this is due to the fact that a credit check will be run to learn which payment plan you qualify for. As long as your payments are on time, you won’t have to worry about having your credit score negatively impacted by our third-party financing options.