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.
Select "PayBright" at checkout*
* 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.