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Rebeeezy

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Is financing option buy now pay later Klarna a soft pull?
Overstock.com financing option at check out

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Top Contributor
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No, Any time there is finanacing

involved it will require a hard pull.  As a rule of thumb, The only time that they  can do a "Soft pull" is when you request your own info.  Even a lender that you already do business with will do a hard pull if, for example, you request a limit increase, etc. 

Good luck

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