Our plans allow you to break down the cost of an expensive purchase into a series of affordable monthly instalments. This allows you to complete your purchase with confidence.
Your merchant may choose to offer 0% interest as a promotion and benefit for customers. If your merchant is not offering 0% interest, our interest rates typically start from 7.95% and the exact rate depends on the quality of your credit. The large majority of our customers pay less than typical credit card interest rates. Our goal is to provide financing options for as many applicants as possible – and always to provide an affordable monthly payment!
Some of our plans also include a small monthly processing fee. We don’t charge any other service fees, prepayment fees, or any other hidden fees. We also never charge backdated interest. We seek to have the highest standards of transparency so that charges are always fully clear to our customers. The exact APR (Annual Percentage Rate) that applies to your transaction will be calculated and shown to you before you finalize your transaction.
Yes. When you apply, PayBright will conduct an instant credit check with a credit bureau in order to verify your identity and determine your eligibility for a payment plan.
PayBright will fund any service or product that our approved merchant partners supply.
Yes! PayBright payment plans are repayable in full or in part at any time, with no penalty. To make an extra payment, you can log in to your online account.
Please contact PayBright directly, as your merchant does not have access to all the details of your account.
You should contact your merchant directly to arrange returns or request refunds. Returns and refunds are subject to the return and refund policies of PayBright’s merchant partners. PayBright will process a refund to a customer if we are directed to do so by the merchant partner. You can read more about our refund policy in our Terms & Conditions.
Yes, protecting your personal information is very important to us. We encrypt sensitive data. We also maintain physical, electronic, and other safeguards to protect your information. We do not sell your information to anyone. You can read our detailed Privacy Statement here.
You can apply for a PayBright payment plan in three ways:
For e-commerce transactions, our application is integrated into the checkout process on the merchant’s website. Simply select PayBright as your payment option.
For in-store transactions, you have several options. You can apply:
Your credit approval can be used for up to 365 days. You can fund multiple purchases over time with your credit approval. After 365 days, we require a new application.
For e-commerce transactions, your entire transaction is completed as part of the checkout process on the merchant’s website.
To complete in-store transactions, please bring a piece of photo ID when you visit the merchant’s location. Examples include a Drivers Licence, Passport, Permanent Resident Card, or other government-issued ID. Please note that we are not permitted to accept health cards as photo ID in Ontario, Manitoba, or PEI.
For e-commerce transactions, PayBright will fund as little as $500. For in-store transactions, PayBright will fund as little as $300.
PayBright offers affordable payment plans ranging from 3 months to 60 months. The actual plans available depends on what the merchant has chosen to offer. For e-commerce, the most frequently offered plans are 6 and 12 months.
You can estimate your monthly payments using our online payment calculator here.
For e-commerce transactions, the entire basket will be funded by PayBright.
For in-store transactions, you can fund any portion of a purchase through PayBright. If you are using cash, debit, or credit card to pay for part of a purchase, you can fund the remainder with PayBright – just as long as the funded amount is at least $300.
Co-signers are available for in-store transactions. If you need more funds that PayBright can grant you on your own, a co-signer is a great way to get access to a higher credit limit.
For e-commerce transactions, your payments will be set up as convenient pre-authorized payments on your credit card. For in-store transactions, your payments will be pre-authorized payments from either your chequing account or credit card.
Please fill out our merchant sign-up form and we will contact you right away. The process is simple and you can be up and running with PayBright in a matter of minutes!
It costs nothing to sign up and start offering PayBright financing to customers! There is a cost to you only if you choose to offer a promotional payment plan to your customers, such as 0% or low-interest financing.
PayBright funds its merchant partners on the next business day after the transaction is authorized.
No! PayBright bears the risk if customers do not make their payments to us.
Please call or email us at any time. Our team will quickly review the situation and do their very best to approve credit for the customer. We also allow customers to partner with co-signers to complete in-store transactions.