I have been a Vision Express customers since I got glasses. However, it turns out the "eyecare plan"is actually a loan and signing up hits credit score as they leave a hard search (despite the FAQ online saying it won't affect score unless you don't make payments in time). The only alternative to signing up to the loan is to pay for eyes tests and 25% more on glasses! Why does Vision Express care whether the money comes from a loan or customer paying upfront and why penalise those who do not want a loan?