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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

PayBright's app


How to download?

PayBright has developed a mobile app for Android and Apple users. It can be downloaded from Google Play and the App Store. The app is available for users in Canada and if you try to download it from other countries, this option will not be available.

The size of the app is quite small and does not consume many resources of the device.

PayBright at Google Play


PayBright at App Store


How to use?

To use the app's features, you need to create an account. After that, you can manage your account, track payments, and view order details through the company's mobile application.

In the "Shop" category, you can select partnering stores and go directly to the store to make purchases. When you check out remember to choose PayBright as a preferred payment method. Your ability to use installments as a prepayment method means that you have your credit approval.

To use Payment in 4 Instalments, you need to set up a payment method and select PayBright at the seller's checkout.

The Purchases category shows a list of your active purchases and their status. It contains information about your overall payment plan for the item and the due date. You can also see the number of orders, the remaining balance and the date of the next installment, amount of monthly payment.

The Profile section contains your identification and payment information and the payment method that you have provided to the system. Getting one time pin on your cell phone is used as confirming your phone number. Here you can make changes to the account information, attach a Canadian bank account, the app's language settings, the app's theme mode (dark or otherwise), the help section, and the logout.

According to the open sources, this app does not have an encryption system and can share your data with third parties.

Altogether using the app you can manage payment options, and monitor the monthly payment amount which would be debited from your account. The first amount would be debited from your Canadian bank account when you checkout shop. Many customers consider the company product as a convenient checkout place.

How to sign in?

Registration of the sign-in procedure is available for Canadians. You would be asked to enter your mobile phone number and then receive a pin to the number you provided. Also, you will need a valid e-mail address.


The app allows you to manage your profile, make purchases and pay later in 4 installments, which is easy on your budget and there are no credit checks.

You need to provide very few details and it ensures easy payments.

The app is not using encryption but it uses a one-time SMS password system (it can be considered that every time you are confirming your phone number) to secure transactions where you use Paybright.

You can change your contact information in the settings and check purchases, outstanding amounts, and the next due date of your payment to make sure you have enough money in your account connected to the system.

You can shop and enjoy your favorite retailers.

It is also possible to contact the Company using the app interface.


How to apply for a loan with the Paybright app?

Retailers which offer PayBright as a payment method at checkout made it easy: just choose it and use Paybright as a method to pay for the item. Get your instant decision and enjoy your purchase.

How to extend a loan?

Usually when you use PayBright as a payment method you are supposed to make timely payments of the instalments because you entered into loan agreement and it is mandatory for the parties. If you are facing unexpected difficulties with making payments you should contact the company and they might offer you individual solution to put you back on track.

Note: You should contact PayBright team before your payment is due otherwise you wind up being not able to purchase at your favorite retailers and use PayBright.

How to pay PayBright in the app?

The instalment is debited from your attached account countdown to your due day starts when you made check out in store.

How to restore access to the app?

If you are having difficulties with sign in procedure contact customer support, they will have to check few details to identify you according to the procedures used in PayBright work. If you are up to date with your payments you will be able to continue using company' repayment method.

How to delete the app?

You can delete the app in the App Store or Google Play managing your apps in the profile or alternatively just tap on the app icon and choose uninstall option. Just make sure that it was deleted from the gadget and not only from the main screen.

Financial products

Pay in 4
Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
from $500

Effective interest rate on the product

from 0%

Loan term for the financial product

up to 60 months

Calculate loan payments in PayBright

PayBright calculator will allow you to calculate an approximate payment schedule for the loan

PayBright calculator
Interest rates are given in accordance with the rates of the bank in Ottawa as of 03.10.2022
Loan amount

Enter the desired loan amount

500 $
5000 $
Loan term

Specify the loan term for the calculation


What to pay attention to when applying for a loan from PayBright

  1. The company must have a license if it runs business in Alberta, British Columbia, Manitoba, Ontario and Quebec.
  2. You can check the availability of the relevant license (copy) at the branch of the lending company.
  3. Membership in a self-regulatory organization (SRO) is an additional guarantee of the reliability of the lending company. This information can also be checked at the company's branch or on its official website.
  4. Availability of lending policies.
  5. The procedure for applying for a loan.
  6. The procedure for concluding the loan agreement and receiving the payment schedule.
  7. Other conditions for granting loans.

We recommend

  1. To check out the interest rates and frequency. 
  2. Check the availability of individual terms in the loan agreement (principal amount, term, date of advance, etc.).
  3. Check whether the loan agreement contains information about the total cost of borrowing.
  4. Take time to think – you can change your mind before agreeing or signing a loan agreement.
  5. Speed of loan processing.
  6. Accessibility – alternative lenders often operate where there are no bank branches.
  7. For the borrower - high interest on the loan.
  8. For an investor, the safety of funds is not guaranteed by the state.

What distinguishes PayBright from banks:

  1. Simplicity - loan processing is less formalized than in a bank.
  2. Fast loan processing.
  3. Accessibility.
  4. For the borrower - high interest on the loan.
  5. For an investor, the safety of funds is not guaranteed by the state.
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