Climb Credit loans require a credit check if you are approved for the loan (the initial application is a soft credit check).
There is a soft credit check for applying, and a hard credit check if you accept the loan. The soft credit check at application will not impact your credit score. How a hard credit check might impact your credit depends on each student's personal credit situation and we cannot provide further guidance. Additionally, since this is a loan product, any late or missed payments could have an adverse impact on your credit. Please consult with Climb Credit about potential impacts on your credit.