Buy Now, Pay Later with PayBright

Real-Time Decision

Applying 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 Payments

Enjoy 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


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.


Apply Online

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


Enjoy Your Purchase

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

PayBright-Frequently Asked Questions

How do I selected PayBright as my payment method?

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.

Are there minimum and maximum limits on how much I can spend with PayBright?

While PayBright makes furniture financing easy, PayBright financing is not available for orders under $500 or over $15,000.

Who can apply for 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 pay my outstanding PayBright balance in full?

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

I was unable to use PayBright to pay for my order, 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 login to 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 I get refunds for returns I make on, if I used Paybright to pay for my purchase?

Purchases made using PayBright financing are subject to Gray Tools’ standard return policy. Any returns will be processed by Gray Tools, 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.