Do you check my credit? 20 November 2020 04:40 Updated Nope, we do not check your credit or effect your credit score ☺️ We have our own assessment criteria that is based on your historic spending behaviour. This takes into account your income and expenses to determine your eligibility. Related articles How much can I cash out? Can anyone use the Pay On Demand™ service? Cashing out after repayment Does Beforepay charge interest? How does the Pay On demand™ service work?