What is PayBright?

PayBright is Canada’s leading installment payment platform, providing customers with buy now,
pay later solutions at their favourite retailers, both in-store and online.

Why use PayBright?

Prequalify before you buy
Get your PayBright spending limit while your transaction is in progress or even before you visit the store.

Easy payments
PayBright will automatically debit/charge monthly payments using your preferred payment method: a bank account or a Visa/Mastercard debit/credit card.

How do I use PayBright?

Select PayBright as your payment method

Prequalify with Paybright before visit the store and select us as your payment option at the end of your transaction.

Get set up

Use your mobile phone number to set up your PayBright plan within 60 seconds.

Enjoy your purchase!

Confirm your payment plan and then you’re done! Enjoy your purchase today and pay later.


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

Mentioned to the sale representative that you would like to pay with PayBright and that you have already completed the Prequalify step. 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 FAQ 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 creditfile, or because PayBright was  not able to verify your identity or your payment method.

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

You can make extra payments at any time, without penalty. Every dollar from your extra payment goes directly toward the principal balance. This means you will pay less interest overall (if you have an interest charge) and can pay off your balance earlier.

Extra payments are scheduled in addition to your regular payments, which means they do not replace your next scheduled payment and will not reduce the amount of your monthly payments. However, they may reduce the length of your payment term, the amount of your final payment, or both.

To schedule extra payments or a full balance payment, log in to your PayBright portal, select the payment terms you want, and then select “Make a payment.” You will then have the option to make an extra payment or pay off your entire balance.

Please note that you cannot make an extra payment until your first scheduled payment has been made.

The following payment methods are accepted:

  • Visa Debit/MasterCard Debit
  • Visa Credit
  • Mastercard

The following payment methods are not accepted:

  • Electronic transfers
  • Capital One credit card
  • PayPal
  • Prepaid credit card
  • Online bill payment
  • AMEX
  • Cheques by postal mail

Your payment plan will be attached to the confirmation email you receive after your purchase.

To view your payment schedule, balance, and other important information about your current loans, log in to your PayBright account.

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