Instant financing with




Ride Now, Pay Later

  

Your next purchase just became more affordable.

thebikeshop.com has partnered with PayBright to offer financing for use on our website.

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 $500
    • 12, 18, or 24 month terms
    • No penalties for paying a loan off early
    • The below application process and information is for purchases on our website only.
    • Financing for purchases in our retail stores is available on our Financing for In-Store Purchases page.

Apply Now

More reasons to shop with PayBright payment plans on thebikeshop.com

Instant Decision

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


Checkout Immediately

Place your order on our website right away using your one-time PayBright digital card.


Easy Payments

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

Apply Online

Complete PayBright's short application to apply for Financing starting at $500.  This process is for customers that wish to shop on our website & can not be used for in store purchases.

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 your loan & send you the loan offer details.

Make your purchase

Complete your purchase on thebikeshop.com by choosing the credit card option in the checkout. During the checkout process enter in the details of your PayBright virtual card.

 eCommerce Purchase FAQs

Q. Where can I use my Virtual Card?      

A. Your PayBright Virtual Card can only be used on thebikeshop.com


Q: Can my Virtual Card be used multiple times?

A: No, the Virtual Card is a one-time use card and can only be used for a single purchase. To make another purchase using PayBright, you can generate another card by clicking on the link in the email or text message you receive from PayBright and following a few short steps. You will not need to complete a new application for the new virtual card once you’ve already been approved.


Q: What happens if I have multiple items in my cart? 

A: Your PayBright Virtual Card can be used for one single purchase payment on thebikeshop.com, regardless of how many items you are buying with that purchase.

 

Q. How do I use my Virtual Card?

A: You can use your card when you check out on thebikeshop.com. Simply select "Credit Card" as the payment option and enter in your PayBright Virtual Card details (card number, expiry date, CVV, email, first and last name, billing address, phone number) in the credit card payment fields.

 

Q: What is the limit on my Virtual Card?

A: You can use this card for one purchase of up to your approval amount. PayBright will fund your card with your approved amount and the card will expire immediately after you use it.


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

A: When you apply for a PayBright Virtual Card, 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: What happens to any unused approval amount? Does my card expire?

You can use PayBright to make a single purchase that is less than or equal to your approved amount. Your approval amount with PayBright will remain valid until the first time you use your card, or your card expires. Once the card expires, you can quickly create a new PayBright virtual card by clicking on the link in the email or text message you received from PayBright and following a few short steps. You will not need to complete a new application for the new virtual card once you've already been approved.


Q: Where can I find my Virtual Card after I apply?

A: To access your Virtual Card, PayBright will send you an email and text confirmation with a link to your Virtual Card. Click the link to access your card.


Q: How can I access information about my installment amount and terms?

A: You will get an email from PayBright confirming your payment plan terms and installment amount. You can access your account on the PayBright website for all your loan details.


Q: What happens if I choose to return my purchase or receive a refund from thebikeshop.com?

A: If you return your entire purchase or receive a full refund, your PayBright payment plan will be cancelled and you will no longer owe anything for the purchase. If you have already made a payment on your purchase, the payment will be returned to the same account you used to make the payment. If you return only a part of the purchase or receive a partial refund, the refunded portion of your PayBright payment plan will be cancelled and you will continue to owe the balance. your installment payments will remain the same, but your payment plan will be paid off sooner as a result of the refund.

In the event of any refund, you will receive an email from PayBright confirming the transaction and the amount you still owe, if any.


Q: I have a question. Who do I contact?

A: Please contact thebikeshop.com at weborders@thebikeshop.com regarding your purchase. Contact PayBright for questions regarding your credit by calling 1-877-276-2780.

Some conditions apply and all transactions are subject to approval by PayBright. Your monthly payment amount and the interest you will pay depend on your personal credit profile. Monthly payments may include a processing fee of $1 to $4 depending on the amount of your purchase.

*In $CAD. Subject to credit approval. Applies to purchases made within 24 hours of credit approval. Clicking Apply Now will take you to PayBright’s application page.