What is a PayBright payment plan?
PayBright plans allow you to break down the cost of an expensive purchase into a series of affordable monthly instalments. This allows you to complete your purchase with confidence.
What are the interest rates on PayBright payment plans?
Interest rates typically start from 7.95% and the exact rate depends on the quality of your credit. The large majority of our customers pay less than typical credit card interest rates. Our goal is to provide financing options for as many applicants as possible – and always to provide an affordable monthly payment!
The plan will include small monthly processing fee. PayBright does not charge any other service fees, prepayment fees, or any other hidden fees. We seek to have the highest standards of transparency so that charges are always fully clear to our customers. The exact APR (Annual Percentage Rate) that applies to your transaction will be calculated and shown to you before you finalize your transaction.
Does PayBright check my credit?
Yes. When you apply, PayBright will conduct an instant credit check with a credit bureau in order to verify your identity and determine your eligibility for a payment plan.
How do I access my account?
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 PayBright account.
If I have questions about my account, do I contact the merchant or PayBright?
Please contact PayBright directly, as The Vanity Store Inc. does not have access to all the details of your account.
What if I want to return my purchase or get a refund?
Contact The Vanity Store customer service directly to arrange returns or request refunds. Returns and refunds are subject to the return and refund policies of The Vanity Store. PayBright will process a refund to a customer if directed to do so by The Vanity Store. You can read more about PatBright refund policy in the Terms & Conditions.
Is my personal information secure with PayBright?
Yes, protecting your personal information is very important to us. PayBright encrypts sensitive data. PayBright also maintains physical, electronic, and other safeguards to protect your information. PayBright does not sell your information to anyone. You can read the detailed Privacy Statement here.
How do I apply?
The PayBright application is integrated into the checkout process within the website. Simply select PayBright as your payment option.
How do I complete the transaction?
Your entire transaction is completed as part of the checkout process on the website.
Is there a minimum funding amount?
PayBright will fund as little as $500.
Which payment plan terms are available?
12 month terms are offered.
How do I know what my monthly payment will be?
You can estimate your monthly payments using our online payment calculator here.
Can PayBright funding be used to pay for only part of a purchase?
No. The entire basket will be funded by PayBright.
How do I make my payments?
Your payments will be set up as convenient pre-authorized payments on your credit card.