For Customers

What We Do

Wherever you choose to shop, payments should be easy. PayBright lets you pay over time for the things you love. Just select PayBright at checkout at thousands of stores nationwide.

Ways to Pay Later

Easy monthly payments

Spread your purchase into easy monthly payments. You can select the best payment plan at checkout and get a real-time decision. Payment plans range between 6-60 months (varies by merchant).

Pay in 4

Pay later in 4 interest-free installments. Your payments are automatically charged every two weeks, so you can sit back and relax!

How It Works


At checkout, select PayBright as your payment option.


Enter a few pieces of information and get a real-time decision.


Enjoy your purchase, and pay over time. Your payments will be automatically charged, so you can sit back and relax!

Contact PayBright customer service at any time with questions about your payment plan, or head to our Customer Service FAQs.

Vacation & Travel
Sporting Goods
Home Goods

High Approval Rate

Low Monthly Payment

No Penalty for Early Repayment

E. Mc Nulty
Toronto, Ontario

I like the process and found the service was very fast and easy to use.

G. Matthews
Saskatoon, Saskatchewan

I applied online, the process was nice and easy. I would recommend PayBright to my family and friends, the installment payments enabled me to get my car fixed, stress free!

J. Cannon
St. John's, Newfoundland

I went to buy my mattress and don’t like to pay for it up front. I liked that I could keep my credit card open for emergencies.

Refer a Merchant to PayBright