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?

hand icon showing one finger


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

hand icon showing two fingers


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

hand icon showing three fingers


Complete your purchase and pay later in 4 equal payments.

hand icon showing four fingers


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

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.

You can use PayBright on We will being using Affirm, not PayBright, on our US store.

Using Pay in 4 will not affect your credit score.

At checkout, you will set up 4 convenient, automatic pre-authorized payments that debited/charged your Canadian Visa/Mastercard debit/credit card.

Which payment methods are accepted?

PayBright currently accepts Visa and Mastercard credit or debit cards. Debit cards must have the Visa or Mastercard logo. Please note that prepaid cards are not accepted.

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 tentree’s standard return policy. Any returns will be processed by tentree, and your PayBright balance will be reduced, cancelled, or refunded accordingly. If the tentree 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 tentree’s return policy.

For help with your payment plan or if you haven’t received your confirmation email, please contact PayBright via their website.

Please use an alternate payment method to complete your purchase.

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

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%