10 Big Brands Offering Buy Now, Pay Later in Canada


Samantha Mehra

March 19, 2021

For Canadian shoppers with buying on the brain, these are times to celebrate. Many have begun to want and expect more flexible, user-friendly payment options when they reach checkout in their favourite retailers' shops, both in-store and online (especially in recent times). This makes sense, as many are looking to cull back on debt and pay in a way that complements their income and their budgeting plans.

What does this really mean? Consumers expect installment payment plans as an option when they shop - and retailers are listening.

There has been a surge in Canadian businesses offering PayBright’s buy now, pay later option to their fans and they, like Endy and Secretlab, are seeing a significant increase in sales, average order value, and repeat business. In fact, PayBright is available at upwards of 8,500 Canadian businesses across all provinces and territories.

Depending on the merchant, customers can enjoy specific types of payment plans that meet their needs, including 'Pay in 4' (interest-free, easy, biweekly payments over the course of six weeks) or 'Pay Monthly' (low- to no-interest payment plans ranging from 6 to 60 months). And whether customers are interested in upping their fashion game; investing in a healthier lifestyle with fitness equipment and e-bikes; or sprucing up the homestead with new mattresses, furniture, or electronics, PayBright’s payment plans are available for all of those needs.*

Curious to know which Canadian retailers have joined PayBright's buy now, pay later movement? Let’s take a look.

This electronics giant offers a wide array of the latest and greatest technologies, ranging from computers, TVs, mobile devices, and home appliances. Those customers interested in coveting the Galaxy 5G can do so by paying in easy monthly payments over 12, 24, or 36 months.

This beauty brand, beloved internationally, went live with Buy Now, Pay Later in Canada only recently. Shoppers can stock up on their favourite cosmetics, accessories, and fragrances today, and pay later in four easy interest-free installments.

The Bay is an institution in Canada, which makes sense given that it's one of our oldest brands! Popular amongst Canadians is its large and evolving stock of fashion, cosmetics, accessories, home goods, and more premium finds. For purchases between $35 and $1500 CAD, shoppers can spread the cost of a purchase over four biweekly purchases, simply by choosing PayBright at checkout on


Those Canadians invested in bettering their physical and mental wellness by taking on our beautiful landscape can do so with SAIL’s beloved outdoor sporting gear, clothing, and equipment. Paying later for premium tools that help you camp, fish, and conquer the terrain in comfort and style can be easily done in four biweekly payments.

5. Garage and Dynamite Clothing

PayBright recently welcomed Garage Clothing and Dynamite Clothing to its growing list of fashion retailers offering 'Pay in 4' in their e-commerce stores. With no interest or up-front fees, shoppers can shop freely at these beloved Canadian brands online, anywhere, any time.

Those with the golf season top of mind were pleasantly surprised when top golf brand Taylormade began offering pay-later options. Now scratch, professional, and new golfers can pay for clubs, golfballs, accessories, or custom items later, with APR plans ranging from 6 to 24 months.

2020 was the year many Canadians began re-investing in their closets, making new fashion statements, and stocking up on wardrobe basics. Those with trends on the brain have been paying later for SHEIN's on-point clothing and accessories today, using PayBright's easy 'Pay in 4' plan, now available on SHEIN Canada’s e-store.

For easy monthly payments over 3, 12, or 24 months, Canadians can go way out on Wayfair, stocking up on the best deals on accessories and furniture for inside and outside the homefront. Those spending between $100-$15,000 CAD can enjoy the freedom of paying over time when they choose PayBright at checkout on

9. Endy

Getting high-tech mattresses in an accessible and affordable way is no longer a dream for many Canadian shoppers. They can sleep soundly now, and pay over time for purchases over $79.99 CAD in equal monthly payments on The best part? Every payment is interest-free. (You can read more about Endy’s success with PayBright here!)

10. eBay

Whether bidding high or bidding low, those securing their favourite goods on can big bid and pay small by choosing PayBright at checkout. For purchases starting at $200 CAD, eBay customers have the option to pay over time in 12 monthly installments, or apply PayBright's Virtual Card.

… and there are literally thousands more!

To see active merchants offering PayBright in their stores, visit PayBright’s Shop Directory and discover some of the biggest brands in Canada making paying easier for Canadian consumers.

Are you a merchant and want to join other industry players in offering flexible payment options at checkout? Learn more here or fill out our request form.

*All prices presented above are in Canadian dollars.

This article is provided for informational purposes only. It is not an exhaustive review of this topic. The content is not financial or investment advice. No professional relationship of any kind is formed between you and PayBright. While we have obtained or compiled this information from sources we believe to be reliable, we cannot and do not guarantee its accuracy. We recommend that you consult your personal finance professional before taking any action related to this information. PayBright is a provider of Buy Now, Pay Later (BNPL) solutions. BNPL providers offer plans with a variety of terms and conditions, including interest rates, fees, and penalties, and have different standards for qualifying for loans. Laws and regulations governing BNPL providers vary by jurisdiction. We recommend that you compare and contrast plans, read the fine print, and conduct detailed research into any BNPL provider before using their services.

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Samantha Mehra

Senior Content Manager

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