Real-Time DecisionApplying for PayBright financing 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.
Easy Monthly PaymentsEnjoy the convenience of automatic monthly payments with no hidden costs and no surprises. You'll see your monthly payment amount before you confirm your payment plan, so you'll know exactly what you owe up front.
How It Works
1Select PayBright at CheckoutAdd 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.
2Apply OnlineApply with PayBright's easy online application in under a minute and get an instant approval decision.
3Enjoy Your PurchaseOnce you complete your checkout with PayBright, we'll process and ship your order right away—no waiting necessary.
Frequently Asked Questions
Can I use a discount code with Paybright?
No, discount codes do not work when using Paybright. Discount codes are applied only to orders being paid via credit card or Paypal.
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 Wayfair to complete your order. We'll process and ship your order as usual.
- Make 4 Biweekly Payments for orders from $100-1,500
- Make 6 Monthly Payments for orders $1,500-$15,000
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.
Are there any limits on how much I can spend with PayBright?
While PayBright makes financing easy, PayBright financing is not available for orders under $100 or over $15,000.
Who can apply for a PayBright payment plan?
PayBright payment plans are available to Canadian residents above the age of majority, which is 18 or 19, depending on your province.
Can I use PayBright to pay for only part of my purchase?
PayBright financing is 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?
Yes, all PayBright payment plans can be prepaid at any time without penalty.
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. 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 if I paid using PayBright?
Purchases made using PayBright financing are subject to Wayfair's standard return policy . Any returns will be processed by Wayfair, 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.