Buy Now, Pay Later with

Real-Time Decision

Applying for a PayBright payment plan 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'll see your monthly payment amount before you confirm your payment plan, so you'll know exactly what you owe upfront.

How Does it Work?

Financing your order with PayBright is easy and only takes a few minutes.

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 payment plan details.

Apply Online

Apply with PayBright's easy online application in under a minute and get an instant approval decision.

Enjoy Your Purchase

Once you complete your checkout with PayBright, we'll process and ship your order right away—no waiting necessary.

- Add items to your Cart as usual, and select PayBright as your payment method in Checkout.
- Complete PayBright's easy online application and get an instant approval decision.
- Confirm your payment plan with PayBright and return to to complete your order. We'll process and ship your order as usual.
- Make 12 monthly payments to PayBright while you enjoy your new item!
PayBright will help you set up convenient, pre-authorized payments via your bank account or your Visa or Mastercard credit / debit card.
PayBright payment plans are not available for orders under $500 or over $15,000.
PayBright payment plans are available to Canadian residents above the age of majority, which is 18 or 19, depending on your province.
PayBright payment plans are applied to your entire order. To use PayBright for only part of your purchase, please complete two separate transactions with different payment methods.
Yes, all PayBright payment plans can be prepaid at any time without penalty.
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 .
After you have completed a transaction with PayBright, you can access your account here . If you have any questions or trouble logging in, please contact PayBright
Purchases made using PayBright are subject to our standard return policy . Any returns will be processed by, and your PayBright loan balance will be reduced or cancelled accordingly. If you have already made monthly payments, those will be refunded to you by PayBright.

Have questions?

Call Us Toll Free on 1-800-425-5405 or email