The number of searches carried out when you make a Buy Now, Pay Later (BNPL) purchase will depend on the provider and how long ago their most recent search was performed. The product you’re applying for will also determine the type of search carried out.

Buy Now, Pay Later finance checks will be recorded on your credit report and they will be visible to other lenders. However, these checks will be shown to lenders in a different way to the traditional hard searches (typically used for things like mortgages, credit cards and loans) or soft searches (often used for quotations and eligibility checks before credit is provided). It will be up to each finance provider to decide how they use these new checks in lending decisions.