In-Store Financing

Cosmo Music PayBright by Affirm In-Store Financing

Shop Now, Pay Later with PayBright

This is a perfect opportunity to get the instrument or gear you need now and pay for it with an affordable payment plan. On approved credit with PayBright by Affirm, when you spend $500 or more in-store, your purchase can be spread out so as not to hurt your wallet so much at once.

Stop by for a visit and speak with a Cosmo Music Specialist, and ask what PayBright promotion is available today. Offer only applies to new in-store purchases. Offer not valid online.

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 (not currently offered on By selecting PayBright as a payment method, customers can enjoy their purchase immediately, while spreading their payments over time.

Why use PayBright?

PayBright - Prequalify Before You Buy

Prequalify Before You Buy

Get your PayBright spending limit while you're still shopping.

PayBright - Quick and Convenient Purchase

Quick and Convenient Purchase

Purchase quickly and easily by choosing PayBright as your payment method. Enter a few details to get an instant approval decision and complete your purchase.

PayBright - Easy Payments

Easy Payments

PayBright will automatically debit/charge monthly payments using your preferred payment method: a bank account or a Visa/Mastercard debit/credit card.

How do I use PayBright?

Step 1

Select PayBright at Checkout

Shop at your favourite stores that offer PayBright and select PayBright as your payment option.

Step 2

Get Setup

Use your mobile phone number to set up your PayBright plan and prequalify within 90 seconds.

Step 3

Enjoy Your Purchase

Confirm your payment plan and then you're done! Enjoy your purchase today and pay later.

Example Transactions

Plan Purchase
Total Interest
Total Cost
of Borrowing
Total Repayment
Annual Percentage
Rate (APR)
12 Equal Monthly Payments $1,000 $83.33 $0.00 $0.00 $1,000 0.00%
24 Equal Monthly Payments $1,000 $47.78 $146.65 $146.65 $1,146.65 13.50%
36 Equal Monthly Payments $1,000 $33.94 $221.67 $221.67 $1,221.67 13.50%

On approved credit and minimum purchase value of $500. Applicants who are not approved for a 0% (interest / APR) payment plan may be offered alternative payment plans with a greater cost of credit. Financing provided, and all transactions are subject to approval by, PayBright or its partner easyfinancial. Financing offers may vary from time to time and may be amended or cancelled at any time. See for more information.

Frequently Asked Questions

How does PayBright work?

PayBright is Canada's leading installment payment provider. When you use PayBright to pay at Cosmo Music, you can split your purchase into easy, automatic monthly payments. To use PayBright as your preferred payment choice (in-store only):

  1. Speak with a Cosmo Music Specialist in-store about purchasing with PayBright (for purchases between $500 and $15,000 including taxes)
  2. Get set up: use your mobile phone number to set up your PayBright plan within 60 seconds
  3. Confirm your payment plan with PayBright
  4. Make 12, 24, or 36 monthly equal payments to PayBright while you enjoy your purchase

Are there requirements to use PayBright?

Yes. You'll need:

  • To be 18+ years old
  • To be a resident of Canada
  •  A Canadian bank account, or a 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 purchase required ($500 including taxes) to use PayBright as a payment option

How do I apply?

Speak with a Cosmo Music Specialist in-store about purchasing with PayBright. After confirming your phone number, you'll be sent a one-time SMS password to confirm your identity. You'll then enter a few details for an instant approval decision. If you're approved, you will set up your repayment method with PayBright and accept the terms of your payment plan.

Does PayBright do a credit check?

To learn more about PayBright and credit checks, please read this helpful FAQ article on the PayBright help site.

What is PayBright's interest rate?

For more information on interest or fees, please see this helpful article on the PayBright help site.

Is there an annual fee?

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

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

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.

Which payment methods are accepted?

PayBright currently accepts pre-authorized debits from your Canadian bank account, or a Visa/Mastercard credit/debit card. Debit cards must have the Visa or Mastercard logo. Please note that prepaid cards are not accepted.

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.

How do I make my payments?

PayBright will help you set up convenient, pre-authorized payments via your bank account or a Canadian bank account, or a Visa/Mastercard credit/debit card.

How can I track my payments and access my PayBright account?

Your login details to access your PayBright account are in the confirmation email sent to you when you first completed your transaction. Can't find the details? Please contact the PayBright team.

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 PayBright a message here.

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.

How do returns work if I paid using PayBright?

Purchases made using PayBright are subject to Cosmo Music's standard return policy. Any returns will be processed by Cosmo Music, and your PayBright balance will be reduced, cancelled, or refunded accordingly. If Cosmo Music 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 Cosmo Music's return policy here.

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.

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.

Where can I find PayBright's Terms and Conditions?

You can find them here.

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