Lender
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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.

Apply For PayBright

Advertiser Disclosure

You can apply for a PayBright loan already at checkout at a participating merchant's store. You are supposed to get an instant real-time decision on your approval through your PayBright account in your mobile app.

If you are approved, you can choose one of the PayBright payment plans and split your purchase into several monthly installments and pay over time in the future.

You will see the interest rate and your monthly payment amount displayed on the screen before completing any transaction.

Eligibility requirements

To apply for a PayBright payment plan, you need only a credit card, an active Canadian phone number, and a PayBright account. Visa and Mastercard debit cards are accepted, while prepaid cards do not qualify as a repayment means.

Your PayBright spending limit is subject to approval based on a meticulous and swift assessment of your personal credit profile. You will be asked to provide a few details, including a government-issued ID, for the company to be able to get access to your file.

How to apply for a PayBright loan?

The PayBright application process consists of several stages:

  1. At checkout, select Paybright as a payment method.
  2. Download and open the PayBright app.
  3. Enter a maximum purchase amount.
  4. Enter your personal and contact information, such as your email address and telephone number. After that, click on the "Continue" button.
  5. An SMS with a PIN will be sent to your mobile phone number to verify your identity.
  6. Complete the order by confirming the payment plan.

Reasons for rejection

Unfortunately, you may not receive an instant approval decision and be denied a PayBright payment plan due to one or several following reasons:

  • PayBright could not have gathered all the details we need about your credit file;
  • Lack of solvency: A credit check showed you cannot be approved;
  • The minimum purchase amount set exceeds your PayBright spending limit;
  • Your history with PayBright has unsuccessful or late payments;
  • The client is not a Canadian resident;
  • Age less than 18 years old.

FAQ

How long are PayBright applications considered?

PayBright pledges to make an instant decision on your loan application. The process is both scrupulous and quick, based on the assessment of your creditworthiness and your history with PayBright.

How quickly the funds can be received?

The approved credit limit is deposited into the account immediately.

PayBright transfers funds to its trading partners the next business day after the transaction is authorized.

What can I do if my PayBright application is not approved?

There are several reasons why your loan application has not been approved: insufficient information related to your credit file, your deficient credit score, and your less-than-perfect history with PayBright.

To solve these problems, you could connect to one of the credit bureaus to clarify your credit report, build your credit or pay off your active PayBright loans.

What documents do I need to apply for a loan from PayBright?

  • Your identification (to prove you have reached the majority of age and your Canadian residency)
  • A Canadian credit or debit card by Visa or Mastercard
  • A valid phone number and an email address

How do I prepare to borrow from PayBright?

Ensure your cart size fulfills the minimum requirements for you to use PayBright as a payment option at checkout. Make sure your credit or debit card and phone number are valid. You should also check the location you are shopping at pertains to the network of participating merchants.

Financial products
PayBright
Pay monthly
Rating by Finanso®
i

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™
0
300
650
1000
from $1,000
Rate
i

Effective interest rate on the product

up to 19.95%
Term
i

Loan term for the financial product

2 - 60 months
PayBright
Pay in 4
Rating by Finanso®
i

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™
0
300
650
1000
from $500
Rate
i

Effective interest rate on the product

from 0%
Term
i

Loan term for the financial product

up to 60 months
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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 PayBright of 10.02.2025
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Enter the desired loan amount

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USD
500 C$
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Loan term
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Specify the loan term for the calculation

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60
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