Pay over time with PayBright
4 biweekly, interest-free payments are automatically charged to your Visa or Mastercard debit or credit card. It’s simple and quick!
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?
No impact on credit score
Using a Pay in 4 PayBright payment plan won’t impact your credit score.
Quick and convenient checkout
Place your order quickly and easily by choosing PayBright as your payment choice at checkout. Simply enter a few details to complete your purchase.
Easy payments
PayBright will automatically debit payments from your chosen Visa or Mastercard debit or credit card, interest-free.
How do I use PayBright?

Shop
Browse tentree and add your favourite finds to your shopping cart.

Select
When you reach checkout, choose PayBright as your payment method.

Checkout
Complete your purchase and pay later in 4 equal payments.

Pay
The remaining 3 payments are charged to your debit or credit card every two weeks.
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 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 sign up?
If your basket is eligible for ’Pay in 4’ with PayBright, the option will be presented at checkout. After confirming your phone number, you’ll be sent an SMS message to confirm your identity. You’ll then set up your payment method with PayBright and accept the terms of your payment plan.
Where can I use PayBright?
Does PayBright do a credit check?
How do I make my payments?
Which payment methods are accepted?
What if I can’t make a payment?
Are there late or NSF fees?
How do returns work if I paid using PayBright?
What if I need additional help with my payment plan?
What if I get declined from using PayBright?
I still have questions.
Payments Table
Purchase Amount | Monthly Payment | Number of Payments | Total Interest Charges | Total Processing Fees | Total Cost of Borrowing | Total Repayment Amount | Credit Rate |
---|---|---|---|---|---|---|---|
$1,000.00 | $250.00 | 4 | 0.00% | $0.00 | $0.00 | $1,000.00 | 0.00% |