Financing & payment plans

PayBright How do I use PayBright?
PayBright is Canada’s leading payment installment provider. When you use PayBright to pay for a CD purchase at checkout, you can split your purchase into easy, automatic monthly payments.

To use PayBright as your preferred payment choice at checkout:
  • Add items to your shopping cart as usual, and select PayBright as your payment method at checkout.
  • Complete PayBright's easy online application and get an instant approval decision.
  • Confirm your payment plan with PayBright and return to CD to complete your order. CD will process and ship your order as usual.
  • Make 6 monthly payments (with no interest) to PayBright or 12 monthly payments to Paybright (with interest) while you enjoy your purchase(s) that range from $300 to $15,000.
  • Your first payment will be charged to your card as soon as you are approved.
How do I make monthly payments?
PayBright will help you set up convenient, pre-authorized payments via your bank account or your Visa or Mastercard credit or debit card.

Are there any limits on how much I can spend with Paybright?
PayBright payment plans are only available for orders between $300 and $15,000.

Who can apply for a PayBright payment plan?
You'll need:
  • To be 18+ years old
  • A Canadian Visa/Mastercard credit card, debit card, or bank account. Your debit card must have the Visa or Mastercard logo.
  • An SMS-capable Canadian phone number.
  • To meet the minimum cart size required to use PayBright as a payment option at checkout.
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?
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.

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 payment plans are subject to CD’s standard return policy. Any returns will be processed by CD, 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. For information on returns, review CD’s return policy here.

What if I have a low credit score?
If you are not approved for 0% interest, you may be offered a payment plan with an interest rate greater than 0% or approval may be declined.