Does Financing Through Med Mart Require a Credit Check?

Understanding How Credit Is Affected When You Apply

At Med Mart, we offer financing options through trusted partners like PayTomorrow and Splitit to make purchasing easier and more flexible.
Whether or not your credit is impacted depends on which financing option you choose.

Here’s what you need to know.

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PayTomorrow Financing

• Soft Credit Check at Pre-Approval:
  When you apply through PayTomorrow at checkout, a soft credit inquiry is performed.

  • A soft inquiry does not affect your credit score.

  • It simply verifies your information and determines your eligibility for financing offers.

• Hard Credit Check at Final Approval:
  If you accept an offer and complete the financing agreement, a hard credit inquiry may occur at that time.

  • A hard inquiry may slightly impact your credit score, just like applying for a credit card or car loan.

In short:

• Applying initially does not hurt your credit.

• Completing and accepting financing terms may involve a hard inquiry.
  
  

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Splitit Financing

• No Credit Check:
  Splitit does not perform a credit check at any stage.
  Instead, Splitit uses your existing credit card’s available balance to split your purchase into monthly payments.

  • No hard or soft inquiry

  • No impact to your credit score

In short:

• Splitit is 100% interest-free with no credit check required.

• You simply need a valid Visa or Mastercard with sufficient available balance.
  
  

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Financing Comparison Chart

Feature	PayTomorrow	Splitit
Credit Check Required	Soft pull at pre-approval; hard pull if accepted	No credit check at any stage
Impact on Credit Score	No impact at application; possible impact if agreement accepted	None
Payment Structure	Monthly financing with flexible terms	Installment plan using existing credit card
Interest Charges	May apply based on terms and credit profile	No interest
Eligibility	Requires application and approval	Requires sufficient available balance on Visa/Mastercard
Best For	Customers needing structured longer-term financing	Customers preferring no credit check and short-term payment division

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Need Help Choosing the Right Financing Option?

Our team is happy to walk you through the best choice based on your purchase and your needs.

Contact Us:
Phone: [phone]
Email: [e-mail]
Website: medmart.com