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blackcircles.ca has arranged for PayBright to offer convenient payment plan where you can buy now and spread out the cost of your cart over time.


This pay later solution allows you to break up the cost of your purchase into 4 equal bi-weekly payments. All you'll need is a credit card. 
No interest, no fees, no credit check!
How do I use Paybright Pay in 4?
Shop your new tires and wheels and select Paybright as your payment option at checkout.
When is my first payment due for a Pay in 4 plan?
Your first payment (1/4 of the purchase total) will be authorized on the day of your purchase. The remaining 3 payments begin biweekly following your first payment. You will be shown a breakdown of the payment amounts at checkout once you complete your purchase.
Note: An authorization may sometimes show on your card while we wait to confirm that everything is okay on your retailer's end. If you've waited more than 48 hours for your authorization to clear for a purchase and haven't received an order confirmation, please contact us here.
Who can apply for PayBright financing, and how?
PayBright payment plans are available to Canadian residents who have reached the age of majority, which is 18 or 19, depending on their province. Other requirements include:
A Visa/Mastercard credit/debit card. Your credit card must have the Visa or Mastercard logo. Prepaid cards are not accepted. 
An SMS-capable Canadian phone number. 
To meet the minimum purchase amount required to use PayBright as a payment option.
To qualify for financing by PayBright, the minimum purchase value must be $400 before taxes.
The payment plan is only available for purchases of $1500 maximum.
After confirming your phone number, you’ll be sent a one-time SMS password to confirm your identity. You will then be asked a few details. If you’re approved, you will set up your repayment method with PayBright and accept the terms of your payment plan.
Can I use PayBright to finance only part of my purchase?
No, PayBright financing must be applied to the total amount of your order.
What happens if I cancel my order within the allowed delay? 
Contact blackcircles.ca customer service to cancel your order. If the tires have not been shipped or installed, your order will be cancelled, as will your financing agreement with PayBright. No payment will be taken.
What if I can’t make a payment? 
Please reach out to PayBright directly and they will be happy to look into the options available.
How do returns work if I paid with PayBright?
Purchases made using PayBright financing are subject to the blackcircles.ca 30-day return policy. Any return will be processed by blackcircles.ca, and your PayBright loan balance will be cancelled accordingly. If you have already payments, those will be refunded to you by PayBright.

For further information, please contact PayBright.

I was not able to get financing with PayBright. What happened?
Unfortunately, PayBright cannot 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 directly.

My request did not make its way to PayBright. What do I do? 
A technical issue may have prevented your request from making its way to PayBright. Only PayBright can give you more details. Contact them by filling out this form: https://help.paybright.com/hc/en-us/requests/new 

*Visit the PayBright website for detailed information on all their terms and conditions.  See Paybright’s terms and conditions.
Please note that PayBright is an independent payment company and Fizz has no influence over whether your request for a payment plan with PayBright is accepted or not.
If you have questions about your request, please visit the PayBright FAQ for more information or contact PayBright directly.

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