Shop now. Pay later.

Get easy monthly financing from PayBright.

We’ve teamed up with PayBright to offer convenient installment plans where you can buy now and spread out the cost of your purchase over time.

How do I use PayBright?

FAQ

Select the PayBright option at checkout. You’ll automatically get redirected to PayBright’s application.

Complete PayBright’s easy online application and get an instant approval decision in less than a minute.

Enjoy your purchase! After you select your payment plan and complete your purchase, your order will be processed and shipped.

What's a PayBright Payment Plan?

PayBright Payment Plans allow you to break down the cost of your purchase into a series of affordable monthly or bi-weekly installments. This lets you shop now, and pay later! 

Does PayBright check my credit?

It depends! We do 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.

We don’t do a hard credit check when you Pre-qualify or when you Pay in 4 with our bi-weekly payment plan!

Tip: If you are applying for a Pay Monthly plan through multiple retailers, each application will be subject to a credit check.

Does PayBright charge any interest or fees?

Interest Rates

There may be interest and/or processing fees, depending on the retail partner. The cost of our payment plans ranges between 0% and 29.95% APR (Annual Percentage Rate). Contact the retailer directly or check their website to find out what plans are available.

Processing Fees

Some of our plans include a small monthly processing fee with each payment. We don’t charge any other service fees, prepayment fees, or hidden fees.

Cost of Borrowing

Your total cost of borrowing equals the total interest and processing fees that will be paid over the term of the loan. This amount will be lower if you’ve received a partial refund or made any extra payments toward your loan

We seek to have the highest standards of transparency so that charges are always fully clear to you. The exact APR/total cost of borrowing that applies to your purchase will be calculated and shown to you before you finalize any transaction. 

Where can I review my payment plan?

Your Payment Plan will be attached to the confirmation email you receive after your purchase. To view your current loans, log in to your PayBright account.

How can I check my account balance?

To see the remaining balance on your loan(s), sign in to your PayBright account and select the loan. You can also view your payment schedule to see how many payments you have left, and when they’re due!

Can I prepay my balance?

Sure, at any time! There are no penalties or fees for early repayments, and you can save on any interest or processing fees that haven’t accrued yet. 

To pay off your current balance, log into your PayBright Portal and select the loan you want to pay off. You will have the option to either make a partial prepayment or payoff your agreement in full.

Why was I declined for a payment plan?

We’re sorry that we couldn’t approve you for a payment plan at this time. Our decision is based on several factors. Some of the most common ones being; insufficient credit history, or a history of late payments (both with PayBright and other financial institutions).

Please don’t be discouraged! We hope you’ll consider us again in the future as you build your credit file.

Tip: Ensure all information in your application and on your online retailer account matches your personal details. This includes your legal name, address, and banking information.