Does Elective check my credit?

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Elective is a regulated financial services company. Before we can finance your purchase, we are required to check your credit. Please see below for more details.

For US Customers For Canadian Customers

Pre-qualification is available for US residents. For pre-qualification, Elective will do a soft credit check. This means that you can comfortably explore your payment plan options without any fear of your credit being affected!

However, once you complete your purchase, we are required to do a hard credit check before we can extend credit to you.

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