SHOP NOW, PAY LATER WITH PAYBRIGHT
Spread the cost of a purchase over $300 to $15,000 into easy monthly payments*. Just select PayBright at checkout.
*Subject to credit approval.
What is PayBright?
PayBright is Canada’s leading installment payment platform, providing shoppers with buy now, pay later solutions at their favourite retailers, both in-store and online.
By selecting PayBright as a payment method at check-out, customers can enjoy their purchase immediately, while spreading their payments over time.
Why use PayBright?
Prequalify before you buy
Get your PayBright spending limit while you’re still shopping.
Quick and convenient checkout
Place your order quickly and easily by choosing PayBright as your
PayBright will automatically debit/charge monthly payments using
How do I use PayBright?
1. Select PayBright at checkout
Shop at your favourite stores that offer PayBright and select us as
your payment option at checkout.
2. Get set up
Use your mobile phone number to set up your PayBright plan within
3. Enjoy your purchase!
Confirm your payment plan and then you’re done! Enjoy your
purchase today and pay later.
|Cart Size||Financing Terms|
|$300 to $1,499.99||3, 6, 12 months||
9.99% to 21.99% APR*
|$1,500 to $2,999.99||6, 12, 24 months||
9.99% to 21.99% APR*
|$3,000 to $15,000||12, 24, 36 months||
9.99% to 21.99% APR*
Are there requirements to use PayBright?
Yes. You’ll need:
• To be 18+ years old
• To be a resident of Canada
• A Canadian bank account, or a Visa/Mastercard credit/debit card.
Your debit card must have the Visa or Mastercard logo
• An SMS-capable Canadian phone number
• To meet the minimum cart size required to use PayBright as a
payment option at checkout
How do I apply?
If your basket is eligible for monthly payments with PayBright, the
option will be presented at checkout. After confirming your phone
number, you’ll be sent a one-time SMS password to confirm your
identity. You’ll then enter a few details for an instant decision. If you’re
approved, you will set up your repayment method with PayBright and
accept the terms of your payment plan.
Does PayBright do a credit check?
To learn more about PayBright and credit checks, please read this
helpful FAQ article on the PayBright help site.
What is PayBright’s interest rate?
For more information on interest or fees, please see this helpful article
on the PayBright help site.
I was not able to complete a PayBright transaction.
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
How does PayBright work?
PayBright is Canada’s leading installment payment provider. When you
use PayBright to pay at The Outfitter’s checkout, you can split your
purchase into easy, automatic monthly payments.
To use PayBright as your preferred payment choice at checkout:
1. Add items to your shopping cart as usual, and select PayBright as
your payment method at checkout for orders between $XX and $XX
(including taxes and shipping).
2. Get set up: Use your mobile phone number to set up your PayBright
plan within 60 seconds.
3. Confirm your payment plan with PayBright. The Outfitters will
process and ship your order as usual.
4. Make 3, 6, 12, 24 or 36 monthly
payments to PayBright while you enjoy your purchase.
How do I make my payments?
PayBright will help you set up convenient, pre-authorized payments via
your bank account or a Canadian bank account, or a Visa/Mastercard
When will my payments begin? And what if I have
Please refer to the payment plan agreement for all of your payment
Can I prepay my outstanding PayBright balance?
Sure, at any time! There are no penalties or fees for early repayments.
To pay off your current balance, please send us a message here.
What if the order is canceled? Will I still be charged?
No, you will not be charged. If you’ve already made a payment to
PayBright and are owed a refund, this may take up to 5-10 business days
to appear on your bank account or credit card statement. If you have any
questions about the refund process, please reach out to the PayBright
team through this contact form.
Where can I find PayBright’s Terms and Conditions?
You can find them here.
What if I get declined from using PayBright?
Please use an alternate payment method to complete your purchase.
Why don’t I see PayBright as a payment option at
If your retailer offers PayBright, but you don’t see it as a payment option,
please see this helpful FAQ article on the PayBright help site.
How much can I spend with PayBright?
PayBright payment plans are available for orders from $300 to $15,000.
Is there an annual fee?
For more information on related fees, please see these helpful FAQ
articles on the PayBright help site.
*Monthly payment amounts, interest, and loan terms may depend on
your personal credit profile. Some conditions apply. All transactions
are subject to approval by PayBright. Monthly payments may include a
processing fee of up to $6.95. Loan offers may vary for customers in the
province of Quebec.
*Certain conditions apply and all transactions are subject to approval
by PayBright. The amount of your monthly payment and the interest
you will pay depend on your credit report. Monthly payments include
a processing fee of up to $6.95 (One to four Dollars) depending on the
amount of your purchase. Please see terms for full details.
*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.
*Please note that PayBright is an independent payment company
and The Outfitters has no influence over whether your payment with
PayBright is accepted or not. If you have any trouble with your order,
please contact PayBright Customer Service.