Pay over time with PayBright

Spread the cost of a purchase over $300 into 6, 12 or 24 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 checkout, 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 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 method of payment.*

*Available payment methods may vary depending on the payment plan selected.

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

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
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.
To learn more about PayBright and credit checks, please read this helpful article on the PayBright help site.
For more information on interest or fees, please see this helpful article on the PayBright help site.
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.
PayBright currently accepts pre-authorized debits from your Canadian bank account, or a Visa/Mastercard credit/debit card. Debit cards must have the Visa or Mastercard logo. Please note that prepaid cards are not accepted. Visa credit cards are unavailable for interest-bearing monthly payment plans. For interest-bearing payment plans, you may use a bank account, or a debit card with the Visa or Mastercard logo.
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.
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.
For more information on late or NSF fees, please see this FAQ article on the PayBright help site.
Purchases made using PayBright are subject to Woodland Mills Inc.’s standard return policy. Any returns will be processed by Woodland Mills Inc., and your PayBright balance will be reduced, cancelled, or refunded accordingly. If the Woodland Mills Inc. 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 Woodland Mills Inc.’s return policy here.
For further information, please refer to PayBright’s FAQ page.

Example of a $2,100 purchase at 19.95% over 12 months with PayBright:

Purchase Amount Monthly Payment Number of Payments Total Interest Charges Total Processing Fees Total Cost of Borrowing Total Repayment Amount Annual Percentage Rate (APR)
$2,100.00 $194.00 12 $231.00 $2.95 $233.95 $2,331.00 19.95%
Purchase Amount $2,100.00
Monthly Payment $194.00
Number of Payments 12
Total Interest Charges $231.00
Total Processing Fees $2.95
Total Cost of Borrowing $233.95
Total Repayment Amount $2,331.00
Annual Percentage Rate (APR) 19.95%

*Your monthly payment amount, the interest you will pay, and the loan terms available depend on your personal credit profile and the selected payment plan. Payments include a monthly processing fee of up to $6.95. Some conditions apply and all transactions are subject to approval by PayBright.