INSTANT APPROVAL | REAL-TIME DECISION
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 all the items you want now, and pay later.
EASY, LOW MONTHLY PAYMENTS
Enjoy the convenience of automatic 12 equal monthly payments. You will see your monthly payment amount before you confirm your payment or financing plan. So, you will know exactly what your monthly payment will be.
HOW IT WORKS
Select PayBright at Checkout
Add your item to your cart as usual and choose PayBright as your payment method. You will then be redirected to PayBright to view payment plan details.
Apply Online here
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, FurnitreMattressDirect will process your order immediately.
FREQUENTLY ASKED QUESTIONS:
How do I use PayBright?
1. Add items to your shopping cart as usual, then select PayBright as your payment method in Checkout.
2. After clicking “Complete Order”, you will be redirected to complete PayBright's easy online application and get an instant approval decision.
3. Confirm your payment plan with PayBright and return to FurnitureMattresDirect to complete your order. We'll process and ship your order as usual.
4. Make 12 equal monthly payments to PayBright.
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.
Are there any limits on how much I can pay with PayBright?
PayBright payment plans are not available for orders under $500 or over $15,000.
Which terms are included with this payment plan?
This payment plan is designed with 12 equal monthly payments with a standard interest rate depending on an individual’s credit.
How do I know what my monthly payment will be?
You will see your monthly payment amount before you confirm your payment or financing plan. So, you will know exactly what you will be your monthly payment.
How do I make my payments?
For e-commerce transactions: your payments will be set up as convenient pre-authorized payments on your credit card.
For in-store transactions: your payments will be pre-authorized payments from either your chequing account or credit card.
Can I prepay my outstanding balance?
Yes! PayBright payment plans are repayable in full or in part at any time, with no penalty. To make an extra payment, you can log in to your online account.
How quickly do I need to use my approved credit?
Your credit approval can be used for up to 365 days. You can fund multiple purchases over time with your credit approval. After 365 days, we require a new application.
How do I complete the transaction?
For e-commerce transactions: your entire transaction is completed as part of the checkout process on the FurnitureMattresDirect website.
To complete in-store transactions: please bring a piece of photo ID when you visit FurnitureMattresDirect location. Examples include a Drivers Licence, Passport, Permanent Resident Card, or government-issued ID. Please note that we are not permitted to accept health cards as photo ID in Ontario, Manitoba, or PEI.
What if I want to return my purchase or get a refund?
Purchases made using PayBright are subject to FurnitureMattresDirect's refund and exchange policy. Any returns will be processed by FurnitureMattresDirect, then PayBright will process a refund to you and PayBright loan balance will be reduced or cancelled accordingly.
Is my personal information secure with PayBright?
YES, protecting your personal information is very important to PayBright. We encrypt all sensitive data. We also maintain physical, electronic, and other safeguards to protect your information. We do not sell your information to anyone. You can read our detailed Privacy Statement on our website.