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 checkout, 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 method of payment.*
*Available payment methods may vary depending on the payment plan selected.
How do I use PayBright?
Select PayBright at checkout
Shop at your favourite stores that offer PayBright 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
- 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
Example of a $2,100 purchase at 19.95% over 12 months with PayBright:
Purchase Amount | Monthly Payment | Number of Payments | Total Interest Charges | Total Processing Fees | Total Cost of Borrowing | Total Repayment Amount | Annual Percentage Rate (APR) |
---|---|---|---|---|---|---|---|
$2,100.00 | $194.00 | 12 | $231.00 | $2.95 | $233.95 | $2,331.00 | 19.95% |
Purchase Amount | $2,100.00 |
---|---|
Monthly Payment | $194.00 |
Number of Payments | 12 |
Total Interest Charges | $231.00 |
Total Processing Fees | $2.95 |
Total Cost of Borrowing | $233.95 |
Total Repayment Amount | $2,331.00 |
Annual Percentage Rate (APR) | 19.95% |
*Your monthly payment amount, the interest you will pay, and the loan terms available depend on your personal credit profile and the selected payment plan. Payments include a monthly processing fee of up to $6.95. Some conditions apply and all transactions are subject to approval by PayBright.