A way to pay, for the things you love.

AppToPay on mobile

Why choose AppToPay?

Pay in 3* 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.
Shop online or in-store with selected retailers and pay your way, with AppToPay.

AppToPay gives you a way to pay, for the things you love.

Percent Icon

Interest free

Calendar Icon

Pay in 3*

Smile Icon

Quick decision

Mail Icon

No upfront payment or deposit

*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, credit product available across a network of approved retailers.

Who are AppToPay

No upfront payment or deposit.
We'll simply take your payments in 3, interest free, monthly instalments.


Quick application and decision.
If you're an existing V12 customer you’ll be presented with your details before applying, for a faster application journey.


We're a UK regulated company.
We value our customers 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, part of Secure Trust Bank.


Trust us, we’ve over 30 years specialist finance experience.

Why not start shopping the AppToPay way today?