Go ahead, treat yourself!*

AppToPay on mobile

Why choose AppToPay?

Pay in 3* and buy now pay later in-store or online with AppToPay

AppToPay offers you pay in 3, interest free credit for purchases from £100 to £500.
Spread the cost over 3 months with no deposit and nothing to pay upfront.
You’ll get a credit limit of up to £1000*, and when you’ve paid off your balance, simply reuse your credit without the need for further applications or credit checks.
As an added benefit you can select a payment date that suits you.

Shop today the AppToPay way

Percent Icon

Interest free

Calendar Icon

Spread the cost of each purchase over 3 months

Screen Icon

Up to £1,000 credit limit*

Mail Icon

No upfront payment or deposit

Smile Icon

Decision in minutes

Phone Icon

Manage your purchases in one place

Eye Icon

View your account 24/7

Briefcase Icon

Financial Conduct Authority Regulated

*3 monthly payments. 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.

How does it work?

Play Icon

Simple and easy to use - AppToPay helps you buy you things you want and spread the cost.

AppToPay is free and easy to download. Just search ‘AppToPay’

The safer way to pay in 3*

We're a UK FCA regulated company - what does that mean for you? If things go wrong, we're here to help. Our complaints process is simple and straightforward and if you disagree with our decision you can contact the Financial Ombudsman Service. You'll also benefit from section 56 and section 75 cover under the Consumer Credit Act.

A little bit about us

AppToPay was designed to help you buy the things you want and spread the cost.

Brought to you by V12 Retail Finance Limited, a Secure Trust Bank company with over 20 years retail finance experience.

It’s an interest free, regulated credit product available across a network of approved retailers.

Who are AppToPay

No upfront payment or deposit, just select a date that suits and we'll take your payments in 3 monthly instalments.


One time application and credit check, no need to reapply with our reusable credit limit of up to £1000.


We're regulated, as a UK based company, AppToPay offers you the security of being FCA regulated and we're there to help if things go wrong.


Available in-store or online with selected retailers.


AppToPay is brought to you by V12 Retail Finance Limited, a Secure Trust Bank company. Available across a network of chosen retailers.


Trust us, we've over 20 years specialist finance experience.

Why not start shopping the AppToPay way today?