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How Does it Work?

Financing your order with PayBright is easy and only takes a few minutes.

Educare School
Educare School
Educare School

How do I use PayBright?

- Add items to your Cart as usual, and select PayBright as your payment method in Checkout.
- Complete PayBright's easy online application and get an instant approval decision.
- Confirm your payment plan with PayBright and return to to complete your order. We'll process and ship your order as usual.
- Make 12 monthly payments to PayBright while you enjoy your new item!

How do I make my monthly payments?

PayBright will help you set up convenient, pre-authorized payments via your bank account or your Visa or Mastercard credit / debit card.

What are the limits to how much I can spend using PayBright?

PayBright payment plans are not available for orders under $300 or over $15,000.

Who is eligible for a PayBright Payment Plan?

PayBright payment plans are available to Canadian residents above the age of majority, which is 18 or 19 years old, depending on your province.

Can I use PayBright for only a part of my order?

PayBright payment plans are applied to your entire order. To use PayBright for only part of your purchase, please complete two separate transactions with different payment methods.

Can I pre-pay my outstanding PayBright balance?

Yes, all PayBright payment plans can be prepaid at any time without penalty.

My PayBright transaction didn't complete. What happened?

Unfortunately, PayBright is not able to provide payment plans to every applicant. This could be due to the information on your credit file, or because PayBright was not able to verify your identity or your payment method. For further information, please contact PayBright.

How do I access my PayBright account?

After you have completed a transaction with PayBright, you can access your account here. If you have any questions or trouble logging in, please contact PayBright.

How do returns work when I pay using PayBright?

Purchases made using PayBright are subject to our standard return policy . Any returns will be processed by, and your PayBright loan balance will be reduced or cancelled accordingly. If you have already made monthly payments, those will be refunded to you by PayBright.

Some conditions apply and all transactions are subject to approval by PayBright. Estimated monthly payments amount excludes taxes, shipping, and other fees. Your monthly payment amount, the interest you will pay, and the loan terms available may vary depend on your personal credit profile. Monthly payment includes a $6.95 processing fee. Visit for further information.

Example with APR 17.70%:
Purchase Amount$1,393.80
Monthly Payment$127.46
Number Of Payments12
Total Interest Charges$76.26
Total Processing Fees$59.40
Total Cost Of Borrowing$135.66
Total Repayment Amount$1,529.46
Annual Percentage Rate (APR)17.70%