Financing is available so that you can get the products you need without the financial burden of a big lump sum: pay in affordable and manageable monthly payments! Financing is quick and easy and most applications can be completed in less than 5 minutes.  

Our payment plans allow you to break down the cost of a purchase into a series of biweekly or monthly installments.

Apply for any PayBright payment option with no impact to your credit score.

Minimum Requirements:
  • Canadian permanent resident or citizen
  • 18 years of age (AB, MB, ON, PEI, QC, SK) / 19 years of age (BC, NB, NF, NT, NS, NU, YK)
  • Minimum purchase of $500  

Here's how your online checkout will look:

  1. Check out with your entire order online and select  as your payment method.  

  2. You are approved for financing.
  3. Your application is finalized electronically. 
  4. Your order will be processed and shipped to you. Local Warehouse pick up is available as well.
  5. Your monthly payments begin in 30 days.

All loans are open, which means you are able to pay back any amount (i.e. the remaining balance) at any time with NO PENALTY OR FEES. Interest is only charged for the duration you actually hold the loan, not the entire term. 


  1. Why is the monthly payment different at checkout?
    Estimated payments may not include taxes and/or shipping charges. All this will change your monthly payment. For an actual monthly payment please complete the online credit application process.

  2. What does PayBright charge?
    That depends on your credit profile and term of the loan. Rates start at 0% based on approved credit.

  3. How do I make my monthly payments?
    PayBright will help you set up convenient, pre-authorized payments via your bank account.

  4. Can I prepay my outstanding PayBright balance?
    Yes, all PayBright payment plans can be prepaid at any time without penalty.

  5. I was not able to complete a PayBright transaction. What happened?
    Unfortunately, PayBright is not able to provide payment plans to every applicant. This could be due to the information on your credit file, or because PayBright was not able to verify your identity or your payment method. For further information, please contact PayBright.

  6. How do I access my PayBright account?
    After you have completed a transaction with PayBright, you can access your account by clicking here.  If you have any questions or trouble logging in, please contact PayBright directly. 

  7. How do returns work if I paid using PayBright?
    Purchases made using PayBright financing are not refundable. 

  8. Does applying for financing affect my credit rating? 
    Absolutely not! 
*Your monthly payment amount, the interest you will pay, and the loan terms available depend on your personal credit profile. Conditions apply and all transactions are subject to approval by PayBright.