Buy Now, Pay Later with PayBright

Real-Time Decision

Applying for PayBright financing is quick and easy: simply provide a few details about yourself and get a real-time decision so you can purchase what you love now and pay over time.

Easy Monthly Payments

Enjoy the convenience of automatic monthly payments with no hidden costs and no surprises. You will see your monthly payment amount before you confirm your payment plan, so you'll know exactly what you owe up front.


Step 1: Select PayBright at Checkout

Add your item to your cart as usual, and select PayBright as your payment method. You will then be redirected to PayBright to view the payment plan details.


Step 2: Apply Online

You simply have to identify yourself and PayBright will provide you with an instant approval decision.

Enjoy your order

Step 3: Enjoy Your Purchase

Once you complete your checkout, our team will process and ship your order.


How do I use PayBright?

  1. Add items to your cart. At the checkout, simply select PayBright as your payment method.
  2. Complete PayBright's easy online application and get an instant approval decision.
  3. Confirm your payment plan with PayBright and return automatically to our website to complete your order.
  4. Simply make your monthly payments to PayBright as selected and enjoy your purchases!

How do I make my monthly payments?

PayBright will help you set up convenient, pre-authorized payments via your bank account.

Can I use a discount code and PayBright at the same time?

Yes. If you have a discount code, feel free to use it with PayBright.

How to return a purchase paid with PayBright?

Purchases made using PayBright as a payment method benefit from the same simple and fast return conditions.

Any partial refund will reduce your balance owed to PayBright and full refunds will cancel the amount owed to PayBright. If you have already made monthly payments, PayBright will also reimburse them.

Are there limits on how much I can spend with PayBright?

You can fund up to $15,000 with PayBright. The minimum purchase eligible for financing is $500. The authorized amount may be different. You will get the amount confirmation a few moments after you have submitted the application.

Who can apply for a PayBright payment plan?

PayBright payment plans are available to Canadian residents above the age of majority, which is 18 or 19, depending on your province.

Can I use PayBright to pay for only part of my purchase?

PayBright financing is applied to your entire order. To use PayBright for only part of your purchase, please complete two separate transactions with different payment methods.

Can I prepay my outstanding PayBright balance?

Yes, all PayBright payment plans can be prepaid at any time without penalty.

I was not able to complete a PayBright transaction. What happened?

Unfortunately, PayBright is not able to provide payment plans to every applicant. This could be due to the information on your credit file, or because PayBright was not able to verify your identity or your payment method. For further information, please contact PayBright.

How do I access my PayBright account?

After you have completed a transaction with PayBright, you can access your account. If you have any questions or trouble logging in, please contact PayBright.

What are the loan terms and transaction fees?

Your monthly payment amount, the interest you will pay, and the loan terms available depend on your personal credit profile. Monthly payments include a $6.95 processing fee. Some conditions apply and all transactions are subject to approval by PayBright. Estimated monthly payment amount excludes taxes, shipping, and other fees.