In theory, no, Lendio won’t affect your credit. Lendio uses soft inquiries to verify your credit. These shouldn’t have any effect on your credit score. In practice, it’s debatable. Some reviewers on Trustpilot claim that after using Lendio, hard inquiries showed up on their credit reports and negatively affected their credit scores. It seems that these inquiries come from lenders, rather than Lendio itself—but the lenders do get customer’s information from Lendio, hence the negative reviews.