Sleep now. Pay later.

Pay In 4: PayBright's 0% APR Financing Plan

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

Quick and Easy

Just fill out a few pieces of information and get a real-time credit decision.

No Hidden Fees

Choose from 4 plans. Pay in four easy instalments with 0% interest · 6 months 0% interest · Reg interest 12 mo. or 24 mo. at 9.95 to 19.95%*

Get Started Now

Browse the store, add to cart and during checkout, simply select 'Pay With PayBright'.


You must be the age of majority of the province or territory, and must have a valid history of credit in Canada.

For all e-commerce transactions, our application is integrated into the checkout process on our website. Simply select PayBright as your payment method when you checkout and fill out our quick application for an instant decision.

It depends. PayBright does an instant credit check with a bureau (such as Equifax or TransUnion) if you are paying in Easy Monthly Payments or if you are using a PayBright Virtual Card. They don't do a hard credit check when you pre-qualify or when you pay in 4 installments with their bi-weekly payment plan.

PayBright Interest Rates: PayBright's interest rates for products purchased at range from 0% to 19.95% APR (Annual Percent Rate). Please contact us directly with any further questions you might have.

PayBright Processing Fees: Some of PayBright's plans include a small monthly processing fee of $6.95 with each payment. They don't charge any other service fees, prepayment fees, or hidden fees.

For more answers to FAQ's, please visit PayBright's Help Center