PayBright Instant Financing


About PayBright

What is a PayBright payment plan?

Our plans allow you to break down the cost of an expensive purchase into a series of affordable monthly or bi-weekly installments. This allows you to complete your purchase with confidence.


Does PayBright check my credit?

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.



Can I prepay my outstanding balance?

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 PayBright account.


What if I want to return my purchase or get a refund?

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. 


Is my personal information secure with PayBright?

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. 


Using PayBright

How do I apply?

Our application is integrated into the checkout process on the merchant’s website. Simply select PayBright as your payment option.


How quickly do I need to use my approved credit?

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.


How do I complete the transaction?

Your entire transaction is completed as part of the checkout process on the merchant’s website. Simply follow steps on checkout process pages.


Is there a minimum funding amount?

PayBright will fund as little as $100. 


How do I make my payments?

Your payments will be set up as convenient pre-authorized payments from your chequing account. In some cases, you can also set up automatic payments from your Visa or Mastercard debit or credit card.