Touch of Gold has partnered with PayBright to offer financing for in-store purchases between $1,500-$15,000, with equal payments from 6 - 36 months. 

Financing is available for eligible applicants, based on approved credit.  

The monthly payment amount, interest rate, and loan terms will depend on your personal credit profile.



PayBright is Canada’s leading instalment payment platform, providing shoppers with buy now, pay later solutions at their favourite retailers.

By selecting PayBright as a payment method at check-out, customers can enjoy their purchase immediately, while spreading their payments over time.


Depending on the value of your purchase, you can easily break up your payments into 3, 6, or 12 months equal payments with as low as 0% APR interest, depending on your credit approval.

Purchase Total (includes taxes, shipping, etc.)

Terms Available (in months)

$1500.01 - $3500.00

3 mo., 6 mo.

$3500.01 - $15,000.00

3 mo., 6 mo., 12 mo



Prequalify before you buy.

Get your PayBright spending limit while you’re still shopping in-store.

Easy payments.

PayBright will automatically debit/charge monthly payments using your preferred payment method: a bank account or a Visa/Mastercard debit card.


What are the requirements to use PayBright?

  • To be 18+ years old
  • To be a resident of Canada
  • A Canadian bank account, or a Visa/Mastercard debit card. Your debit card must have the Visa or Mastercard logo
  • An SMS-capable Canadian phone number
  • To meet the minimum cart size ($1,500) required to use PayBright as a payment option.

How do I apply?

Apply in-store at checkout with one of our associates. If you’re approved, you will set up your repayment method with PayBright and accept the terms of your payment plan.

Does PayBright do a credit check?

To learn more about PayBright and credit checks, please read this helpful FAQ article on the PayBright help site.

What is PayBright’s interest rate?

For more information on interest or fees, please see this helpful article on the PayBright help site.

Which payment methods are accepted?

PayBright currently accepts pre-authorized debits from your Canadian bank account or a Visa/Mastercard debit card. Debit cards must have the Visa or Mastercard logo. Please note that prepaid cards are not accepted.

How can I track my payments and access my PayBright account?

Your login details to access your PayBright account are in the confirmation email sent to you when you first completed your transaction. Can’t find the details? Please contact the PayBright team.

What if I can’t make a payment?

Please reach out to the PayBright team and they will be happy to look into the options available. You can contact them using this contact form.

Are there late or NSF fees?

For more information on late or NSF fees, please see this FAQ article on the PayBright help site.

How do returns work if I paid using PayBright?

Purchases made using PayBright are subject to Touch of Gold’s standard return policy. Any returns will be processed by Touch of Gold, and your PayBright balance will be reduced, cancelled, or refunded accordingly. If Touch of Gold has provided a refund to you via a gift card, you must still continue repaying your instalment plan in full. For information on returns, review Touch of Gold's return policy here.

I still have questions.

For further information, please refer to PayBright’s FAQ page.