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.

What are the payment terms?

Depending on the value of your purchase, you can easily break up your payments into 3, 6, or 12 months equal payments with 0% APR interest.

Purchase Total (includes taxes, shipping, etc.) Terms Available (in months)
$0.00 - $299.99 Not available
$300.00 - $1500.00 3 mo.
$1500.01 - $3500.00 3 mo., 6 mo.
$3500.01 - $15,000.00 3 mo., 6 mo., 12 mo.
$15,000 + Not available

  

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 payment method at checkout. Enter a few details to get an instant decision and complete your purchase.

Easy payments
PayBright will automatically debit/charge monthly payments using your preferred payment method: a bank account or a Visa/Mastercard debit card.

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 60 seconds.

3. Enjoy your purchase!
Confirm your payment plan and then you’re done! Enjoy your purchase today and pay later.

Frequently Asked Questions

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 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. 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.

Which payment methods are accepted?

PayBright currently accepts pre-authorized debits from your Canadian bank account, or a Visa/Mastercard debit card. Debit cards must have the Visa or Mastercard logo. Please note that prepaid cards are not accepted.

How can I track my payments and access my PayBright account?

Your login details to access your PayBright account are in the confirmation email sent to you when you first completed your transaction. Can’t find the details? Please contact the PayBright team.

What if I can’t make a payment?

Please reach out to the PayBright team and they will be happy to look into the options available. You can contact them using this contact form.

Are there late or NSF fees?

For more information on late or NSF fees, please see this FAQ article on the PayBright help site.

How do returns work if I paid using PayBright?

Purchases made using PayBright are subject to IJL’s standard return policy. Any returns will be processed by IJL, and your PayBright balance will be reduced, cancelled, or refunded accordingly. If IJL has provided a refund to you via a gift card, you must still continue repaying your installment plan in full. For information on returns, review IJL's return policy here.

I still have questions.

For further information, please refer to PayBright’s FAQ page.

Contact the team at IJL