I think I need an "IF" formula

=IF(Q2<=624,SUM($m$2*2),IF(Q2>=625,SUM($m$2*4)))

Ash

EDIT: Bear with me one moment, just checking it works lol

Try:
=IF(Q2>624,4,IF(Q2>599,2))*M2
Suppose that paid = zero if credit core is less than 600.

May be this.....

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@Richard
+1 for your formula. lol.....actually you are right. It needs only one logical test anything <=624. I know you might be laughing after seeing other formulas. Even I am laughing on myself.

@sktneer,

I was premature. I'd missed the condition about >600. I've just deleted my post.

@Richard

But I think your approach was correct. Probably you wrote "=IF(Q2<=624,2,4)*M2" which is doing as same as others. Now I am confused.

@sktneer

Yes that is indeed what I originally wrote.

However I'd missed the OPs statement that "If the customers credit score is between 600-624", which I subsequently interpreted to mean there is no commission if the credit score is 599 or less.

another
=LOOKUP(Q2,{0,600,625},{0,2,4})*M2

@Richard

I think OP has not explained well that what if the credit score is less than 600. Or he is only interested for anything equal to or more than 600. Only he can explain it better.