Go ahead, treat yourself!*

AppToPay on mobile

AppToPay Customer Benefits

AppToPay is a credit product that provides you with an interest free credit limit to use for purchases between £100 and £500, letting you spread the cost of a purchase over 3 months, with no deposit needed. The beauty of this product is that, subject to available funds within your credit limit, you can make further purchases without any further applications or credit checks.

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Interest free

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Spread the cost of each purchase over 3 months

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Up to £1,000 credit limit*

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No upfront payment or deposit

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Decision in minutes

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Manage your purchases in one place

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View your account 24/7

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Financial Conduct Authority Regulated

*This is a credit product. Credit is subject to status and is only available to UK residents aged 18 and over. Minimum and maximum spend applies. Failure to maintain payments may mean you repay more than borrowed and make future borrowing more difficult.

Our app is simple and easy to use - straight from the palm of your hand using just your smartphone.

AppToPay is free and easy to download - Search 'AppToPay' today

Who are AppToPay?

AppToPay is brought to you by V12 Retail Finance Limited, a Secure Trust Bank company. AppToPay is a regulated interest free credit product available across a network of our approved retailers.

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Over 30 years

retail finance experience


Account access
Who are AppToPay