Instant Fresh Credit

Get a real-time credit decision.

Easy Monthly Payments

Your monthly payments are conveniently billed to your bank account or credit card.

Get pre-approved

* Subject to credit check and approval by PayBright.

Frequently Asked Questions

What is a PayBright payment plan?
Our plans allow you to break down the cost of an expensive purchase into a series of affordable monthly or bi-weekly installments. This allows you to complete your purchase with confidence.

What are the interest rates on PayBright payment plans?

Your merchant may choose to offer 0% interest as a promotion and benefit for customers. If your merchant is not offering 0% interest, our interest rates typically start from 7.95% and the exact rate depends on the quality of your credit. The large majority of our customers pay less than typical credit card interest rates. Our goal is to provide financing options for as many applicants as possible – and always to provide an affordable monthly payment!
Some of our plans also include a small monthly processing fee with each payment. We don’t charge any other service fees, prepayment fees, or any other hidden fees.  We seek to have the highest standards of transparency so that charges are always fully clear to our customers. The exact APR (Annual Percentage Rate) that applies to your transaction will be calculated and shown to you before you finalize your transaction.

Does PayBright check my credit?
It depends!
We do an instant credit check with a bureau if you are paying in Easy Monthly Payments or with a PayBright Virtual Card.
We don’t check your credit with a bureau when you “Pay in 4” with our bi-weekly payment plan.

Are there any restrictions on what PayBright will fund?
PayBright will fund any service or product that our approved merchant partners supply.

How do I access my account?
You can log in to the PayBright customer portal here. Your login details are in the confirmation email we sent you when you first completed your transaction. If you can’t find your login details, please contact us.

Can I prepay my outstanding balance?
Yes! PayBright payment plans are repayable in full or in part at any time, with no penalty. To make an extra payment, you can log in to your online account.

If I have questions about my account, do I contact the merchant or PayBright?
Please contact PayBright directly, as your merchant does not have access to all the details of your account.

What if I want to return my purchase or get a refund?
You should contact your merchant directly to arrange returns or request refunds. Returns and refunds are subject to the return and refund policies of PayBright’s merchant partners. PayBright will process a refund to a customer if we are directed to do so by the merchant partner. You can read more about our refund policy in our Terms & Conditions.

Is my personal information secure with PayBright?
Yes, protecting your personal information is very important to us. We encrypt sensitive data. We also maintain physical, electronic, and other safeguards to protect your information. We do not sell your information to anyone. You can read our detailed Privacy Statement here.