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Frequently Asked Questions
What interest rate will I be charged?
Your interest rate will depend on your credit score. Once you have completed the 2-minute application and received your approval, you will be contacted by a representative of Tri-County Training who will go over the interest rate with you. Interest rates will vary from 14.95 - 19.95%.
When do I get the money?
To complete the process and secure your funds for enrolment, you will need to provide Tri-County Training with a void cheque and a copy of a government-issued ID, such as a valid driver's license or permanent resident card. NOTE: We are unable to accept health cards as proof of identity.
Which payment plan terms are available?
Affordable payment plans range from 3 months to 60 months. The actual plans available depends on the amount borrowed. For loans of $7500 or less, payment plans of 3-24 months are available. For loans greater than $7500, plans of 60-months are available.
Can I pay off the loan at any time?
Yes, your payment plan is repayable in full or in part at any time, with no penalty. Extra payments can be when logged into your Paybright account.
What will my payment be?
You can estimate your payment using Paybright's payment calculator.
Can PayBright funding be used to pay for only part of a purchase?
If you are using cash, debit, or credit card to pay for part of a purchase, you can fund the remainder with PayBright – just as long as the funded amount is at least $300.
How do I make payments?
Your payments will be pre-authorized payments from either your chequing account or credit card.
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.