If you would like to have in-store financing, click on your branch to pre-qualify.


For on-site funding, you will find qualifying links on each product page.


1 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.

2 How do i use Paybright?
  1. Select PayBright at checkout: Shop at your favourite stores that offer PayBright and select us as your payment option at checkout.
  2. Get set up: Use your mobile phone number to set up your PayBright plan within 60 seconds.
  3. Enjoy your purchase!: Confirm your payment plan and then you’re done! Enjoy your purchase today and pay later.
  4. The options 3 to 36 months available with interest.
  5. Financement 6 months no interest available for machine 300$ and higher. 

3 How do I apply with Paybright?

If your basket is eligible for monthly payments with PayBright, the option will be presented at checkout. After confirming your phone number, you’ll be sent a one-time SMS password to confirm your identity. You’ll then enter a few details for an instant decision. If you’re approved, you will set up your repayment method with PayBright and accept the terms of your payment plan.

4 Are there requirements to use PayBright?

Yes. You’ll need:


  • To be 18+ years old
  • To be a resident of Canada
  • Depending on the plan you select, options include 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

5 How do I make my payments with Paybright?

At checkout, you will set up convenient, pre-authorized monthly payments that will be debited/charged to your Canadian bank account, or a Visa/Mastercard credit/debit card.

6 Which payment methods are accepted with Paybright?

PayBright currently accepts pre-authorized debits from your Canadian bank account, or a Visa/Mastercard credit/debit card. Debit cards must have the Visa or Mastercard logo. Please note that prepaid cards are not accepted.


Visa credit cards are unavailable for interest-bearing monthly payment plans. For interest-bearing payment plans, you may use a bank account, or a debit card with the Visa or Mastercard logo.

7 Where can I use my PayBright spending limit with Paybright?

The limit can be used across the merchant network, and will be updated based on your repayment history and merchant type.