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Instant financing with

Ride Now, Pay Later


Your next purchase just became more affordable.

The Bike Shop has partnered with PayBright to offer financing for use in our retail stores.

Easy and affordable payment plans from PayBright.  Simply fill in a few details to quickly learn if you qualify for a loan.

  • Fixed terms & monthly payments with 
    • Interest rates as low as 7.95%
    • Loans starting at $300
    • 18, 24 or 36 month terms
    • No penalties for paying a loan off early
    • $6.95 monthly processing fee
    • The below application process and information is for consumers that wish to shop in one of our 3 retail locations.
    • Financing for purchases on our website is available on our Financing for Website Purchases page.


Apply Now

More reasons to shop with PayBright payment plans on

Dreams do come true

Don't settle, PayBright helps you get the bike you really want!

Instant Decision

Enter a few details to get approved and start shopping right away.

Easy Payments

PayBright will automatically debit payments from your bank account.  No more worrying about forgetting a payment.

Apply Online

Click the Application button below to apply for Financing starting at $300.  This process is for customers that wish to shop in one of our 3 Calgary locations & can not be used on our website.

Fill out your details

Fill in a few details to get instant approval for your PayBright loan. Rates, terms and personal credit history are evaluated by PayBright in seconds to issue loan and send you loan offer details.

Select your store

Select the store you wish to shop at or pick up your purchase at. For eCommerce customers that wish to finance their purchase please head to our eCommerce Financing page for information on how to apply.

Pick up in stores

Once application is approved visit or contact the store you've selected to complete your transaction (Government Issued photo ID is required at time of pick up or in-store application)

 In-Store Purchase FAQs

Q: What does PayBright charge? 

A: That depends on your credit profile and the term of the loan. It starts as low as 7.95% with a $6.95 monthly processing fee but can range up to 19.95% based on the loan amount, term of the loan and your unique credit profile.


Q: How does the monthly payment amount vary?

A: Estimates may not include taxes and/or other charges. The standard processing fee of $6.95 can vary by province and your credit profile will impact your interest rate. All this will change your monthly payment. For an actual monthly payment please complete the credit application.

Q: Will my payment plan terms be adjusted to reflect the actual purchase amount?

A: When you apply for a PayBright loan, PayBright shows you the expected installment payment amount and other payment plan terms based on the purchase amount you enter. If the final purchase amount varies from the original amount entered, your installment payment amount and other payment plan terms will be adjusted automatically. PayBright will email you a copy confirming your final installment amount and all the details of your payment plan.

Q: How do I make my monthly payments?

A: PayBright will help you set up convenient, pre-authorized payments via your bank account.

Q: Can I prepay my outstanding PayBright balance?

A: Yes, all PayBright payment plans can be prepaid at any time without penalty.

Q: I was not able to complete a PayBright transaction. What happened?

A: 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. For further information, please contact PayBright .

Q: How do I access my PayBright account?

A: After you have completed a transaction with PayBright, you can access your PayBright account here. If you have any questions or trouble logging in, please contact PayBright .

Q: How do returns work if I paid using PayBright?

Purchases made using PayBright financing are subject to The Bike Shop's standard return policy . Any returns will be processed by The Bike Shop, 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.