Buy now, pay later with PayBright

Spread the cost of your purchase
by selecting PayBright at checkout.

What is PayBright?

PayBright is Canada’s leading installment payment platform, providing shoppers with buy now, pay later solutions at their favourite retailers, both in-store and online.

By selecting PayBright as a payment method at check-out, customers can enjoy their purchase immediately, while spreading their payments over time.

Why use PayBright?

Prequalify before you buy

Get your PayBright spending limit while you’re still shopping.

Quick and convenient checkout

Place your order quickly and easily by choosing PayBright as
your payment method at checkout. Enter a few details
to get an instant decision and complete your purchase.

Easy payments

PayBright will automatically debit/charge monthly payments
using your preferred payment method: a bank account or a
Visa/Mastercard debit/credit card.

How do I use PayBright?

Select PayBright at checkout

Shop in our store and select us as your payment option at checkout.

Get set up

Use your mobile phone number to set up your PayBright plan
within 60 seconds.

Enjoy your purchase!

Confirm your payment plan and then you’re done! Enjoy your purchase
today and pay later.

Frequently asked questions

Are there requirements to use PayBright?

Yes. You’ll need:

  • To be 18+ years old
  • To be a resident of Canada
  • A Canadian bank account, or a Visa/Mastercard credit/debit card.
  • Your debit card must have the Visa or Mastercard logo
  • An SMS-capable Canadian phone number
  • To meet the minimum cart size required to use PayBright as a payment option at checkout
How do I apply?

If your basket is eligible for monthly payments with PayBright, the option will be presented at checkout. After confirming your phone number, you’ll be sent a one-time SMS password to confirm your identity. You’ll then enter a few details for an instant decision. If you’re approved, you will set up your repayment method with PayBright and accept the terms of your payment plan.

Does PayBright do a credit check?

To learn more about PayBright and credit checks, please read this helpful FAQ article on the PayBright help site.

What is PayBright’s interest rate?

For more information on interest or fees, please see this helpful article son the PayBright help site.

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.
Which payment methods are accepted?
PayBright currently accepts pre-authorized debits from your Canadian bank account, or a Visa/Mastercard credit/debit card. Debit cards must have the Visa or Mastercard logo. Please note that prepaid cards are not accepted.
How can I track my payments and access my PayBright account?
Your login details to access your PayBright account are in the confirmation email sent to you when you first completed your transaction. Can’t find the details? Please contact the PayBright team.
What if I can’t make a payment?

Please contact the PayBright team. Please reach out to the PayBright team and they will be happy to look into the options available. You can contact them using this contact form.

Are there late or NSF fees?

For more information on late or NSF fees, please see this FAQ article on the PayBright help site.

I still have questions.

Here is an example for a purchase of $ 2000 over a 12 month period.

Purchase amount
2000 $
Monthly payment
185,54 $
Number of payments
Total interest charges
143,49 $
Total processing fees
83,40 $
Total cost of borrowing
226,89 $
Total repayment amount
2 226,89 $
Credit rate
12,95 %
  • PayBright financing is available on orders of 300 $ to 15 000 $.
  • Customers can obtain financing from PayBright at an interest rate of 9.95% to 19.95%, depending on their creditworthiness.
  • Make monthly payments of 6 to 60 months to PayBright.
  • Monthly installments include a processing fee of up to 6,95 $.

* The amount of your monthly payment, the interest you will pay as well as the loan terms available depend on your personal credit profile and the amount financed. Certain conditions apply and all transactions must be approved by PayBright.

You have a question? Contact us!

14 + 7 =