Authenticity Guaranteed

Payment Plan

Welcome to the new payment plan
from Love that Bag etc.

We’re making it even easier for you to buy what you love! Partnering with PayBright, this new offering will allow you to select one of three payment plan options that best suits your needs. After your initial payment, the items will be sent to you right away! Now you can shop with confidence knowing that returns will be accepted on payment plan purchases. What could be easier?

Shop now, pay later

With PayBrighT

Pay in 4

Pay in 4 bi-weekly interest free payments for purchases under $1000

OR

Pay monthly

Pay over 3 months interest free, or 6 months for purchases over $1000

What is PayBright?

PayBright is Canada’s leading installment payment platform, providing shoppers with buy now, pay later solutions at their favourite retailers, both in-store and online. By selecting PayBright as a payment method at checkout, customers can enjoy their purchase immediately, while spreading their payments over time.

How does it work?

No impact on credit score

Using any of our PayBright payment plans won’t impact your credit score.

Quick and convenient checkout

Place your order quickly and easily by choosing PayBright as your payment choice at checkout. Simply enter a few details to complete your purchase.

Easy payments

PayBright will automatically debit payments from your chosen Visa or Mastercard debit or credit card, interest-free.

How do I use PayBright?

01.

Shop

Browse Love that Bag etc and add your favourite finds to your shopping cart.

02.

Select

When you reach checkout, choose PayBright as your payment method.

03.

Checkout

Complete your purchase with your first payment, and pay the rest later in equal payments according to your selected payment plan.

04.

Pay

The remaining payments are charged to your debit or credit card every two weeks or monthly, depending on your selected payment plan.

Payment TablE

Pay in 4 Payment Schedule

Purchase Amount Bi-Weekly Payments Number of Payments Total Interest Charges Total Processing Fees Total Cost of Borrowing Total Repayment Amount Credit Rate
$200.00 $50.00 4 $0.00 $0.00 $0.00 $200.00 0%

Pay in 3 Months Payment Schedule

Purchase Amount Monthly Payments Number of Payments Total Interest Charges Total Processing Fees Total Cost of Borrowing Total Repayment Amount Credit Rate
$3000.00 $1000.00 3 $0.00 $0.00 $0.00 $3000.00 0%

Pay in 6 Months Payment Schedule

Purchase Amount Monthly Payments Number of Payments Total Interest Charges Total Processing Fees Total Cost of Borrowing Total Repayment Amount Credit Rate
$6000.00 $1000.00 + interest 6 Variable $0.00 Variable $6000.00 + interest Variable

FAQS

+

Where can I use PayBright?

You can use PayBright on lovethatbagetc.com. In-office purchases are not eligible for PayBright.

+

How do I sign up?

If your basket is eligible for PayBright, the option will be presented at checkout. After confirming your phone number, you’ll be sent an SMS message to confirm your identity. You’ll then set up your payment method with PayBright and accept the terms of your payment plan.

+

Are there requirements to use PayBright?

Yes. You’ll need:

  • To be 18+ years old
  • To be a resident of Canada
  • A Canadian Visa/Mastercard credit/debit card. 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
+

Does PayBright do a credit check?

Using Pay in 4, or Pay in 3 Months will not affect your credit score.

+

How does PayBright work?

PayBright is Canada’s leading installment payment provider. When you use PayBright to pay at Love that Bag etc’s checkout, you can split your purchase into 4 biweekly interest-free payments (other payment plans available at checkout).

To use PayBright as your preferred payment choice at checkout:

  1. Add items to your shopping cart as usual.
  2. Choose PayBright at checkout and enter a few details.
  3. Your purchase will then be split into 4 equal interest-free payments (other plans available)
+

Where can I find PayBright’s Terms and Conditions?

You can find them here.

+

Why don’t I see PayBright as a payment option at checkout?

If your retailer offers PayBright, but you don’t see it as a payment option, please see this helpful FAQ article on the PayBright help site.

 

+

How do I make my payments?

At checkout, you will set up 4 convenient, automatic pre-authorized payments that are debited/charged to your Canadian Visa/Mastercard debit/credit card.

+

Which payment methods are accepted?

PayBright currently accepts Visa and Mastercard credit or debit cards. Debit cards must have the Visa or Mastercard logo. Please note that prepaid cards are not accepted.

+

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.

+

What if I get declined from using PayBright?

Please use an alternate payment method to complete your purchase.

+

Can I prepay my outstanding PayBright balance?

Sure, at any time! There are no penalties or fees for early repayments. To pay off your current balance, please send us a message here.

+

How much can I spend with PayBright?

PayBright payment plans are available for orders from Love that Bag etc on orders of any price.

+

Is there an annual fee?

For more information on related fees, please see these helpful FAQ articles on the PayBright help site.

+

If the order total changes, how does that affect my biweekly payments?

If your order total changes for any reason, your payment plan will be adjusted accordingly.

+

When will my payments begin? And what if I have pre-order products?

Please refer to the payment plan agreement for all of your payment schedule information.

+

What if I haven’t received an email regarding my payment plan, or if I need additional help with my payment plan?

For help with payment information, or if you haven’t received your PayBright email confirmation, please contact the PayBright team via their website.

 

+

What if the order is canceled? Will I still be charged?

No, you will not be charged. If you’ve already made a payment to PayBright and are owed a refund this may take up to 5-10 business days to appear on your bank account or credit card statement. If you have any questions about the refund process, please reach out to the PayBright team through this contact form.

+

How do returns work if I paid using PayBright?

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

 

+

What if I need additional help with my payment plan?

For help with your payment plan or if you haven’t received your confirmation email, please contact PayBright via their website.

+

I still have questions.

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

*Please note that PayBright is an independent payment company and Love that Bag etc has no influence over whether your payment with PayBright is accepted or not. If you have any trouble with your order, please contact PayBright via their website contact form.