Buying With PayBright Is Easy

Applying for a PayBright payment plan is quick and easy — simply provide a few details about yourself and get a real-time decision so you can purchase what you love now, and pay over time

Enjoy the convenience of automatic biweekly or monthly payments with no hidden costs and no surprises. You’ll see your payment amount before you confirm your payment plan, so you’ll know exactly what you owe up front.

How it works

1. Select PayBright at checkout

Add your item to your cart as usual, and select PayBright as your payment method. You will then be redirected to PayBright to view payment plan details

2. Apply online

Apply with PayBright’s easy online application in under a minute and get an instant approval decision.

3. Enjoy your purchase

Once you complete your checkout with PayBright, we’ll process and ship your order right away — no waiting necessary.

Frequently Asked Questions

How do I use PayBright?

1. Add items to your Cart as usual, and select PayBright as your payment method in Checkout.
2. Complete PayBright’s easy online application and get an instant approval decision.
3. Confirm your payment plan with PayBright and return to Wayfair to complete your order. We’ll process and ship your order as usual.

Are there any limits on how much I can spend with PayBright?

While PayBright makes furniture payment plans easy, they are not available for orders under $50 or over $15,000.

Are there requirements to use PayBright?

Yes. You’ll need:
1. To be 18+ years old
2. To be a resident of Canada
3. A Canadian bank account, or a Visa/Mastercard credit/debit card. Your debit card must have the Visa or Mastercard logo
4. An SMS-capable Canadian phone number
5. To meet the minimum cart size required to use PayBright as a payment option at checkout

How do I make payments?

PayBright will take convenient pre-authorized payments from either your Canadian bank account or your Visa/Mastercard debit/credit card. For bi-weekly interest-free plans, only debit/credit card payments are accepted.

How do I apply for a PayBright plan?

If your basket is eligible for a PayBright payment plan, the option will be presented at checkout. 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.

Does PayBright do a credit check?

To learn more about PayBright and credit checks, please read this FAQ article on the PayBright help site.

Can I use PayBright to pay for only part of my purchase?

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 prepay my outstanding PayBright balance?

Sure, at any time! There are no penalties or fees for early repayments. To pay off your current balance, please send us a message here.

I was not able to complete a PayBright transaction. 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.

How do I access my PayBright account?

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

How do returns work if I paid using Paybright?

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