A Better Way to Pay

AppToPay lets you quickly and easily spread the cost of purchases made at your favourite retail stores between 2 and 12 months without charging you any interest or additional fees.

App to pay used in store

How it works


Get Pre-Approved

Download the AppToPay app and submit an application, if approved, you'll be given an "interest free" credit limit of up to £2,000 that you can use to spread the cost of purchases made in our network of retailers!


Spread the Cost

Each purchase you make using AppToPay goes on to an "interest free" fixed term repayment plan of between 2 and 12 months which you choose at the point of purchase.


Use It Again & Again...

As repayments are received your credit becomes available again to fund new purchases without you having to re-apply. Spend it like a credit card, re-pay it like a loan.

How it compares

See how AppToPay compares to using a Credit Card or Traditional Retail Finance.

  Credit Card Retail Finance BNPL Schemes AppToPay
Interest Free

AppToPay doesn't charge you, the consumer, any interest or added fees on purchases as long as you keep up with repayments.

Biometric Security

Every AppToPay transaction is validated using biometric authentication for speed and security.

Flexibility at the Point of Purchase

AppToPay gives you the flexibility to choose the amount and repayment period at the point of purchase without having to make a new application every time you make a purchase.

No In-Store Credit Checks

With AppToPay, unlike traditional 'interest free' finance, there is no need for potentially embarrassing in store credit checks!

Fast In-Store Transactions

AppToPay in-store transactions take less than 30 seconds - unlike traditional retail finance transaction which can take up to 20 mins.

Section 75 Cover

AppToPay users enjoy the same levels of consumer cover as they would with all other consumer finance and payment service providers.

Simple transaction

No Added Charges. No Hidden Fees.

We make our money by charging retailers the interest fees instead of you, keeping your additional costs at zero.

Application Fee
Sign Up Fee
Monthly Fees
Annual Fees

How to get AppToPay

Opening an account with AppToPay is easy and once approved you can start using it straightaway.

Download the App

Download the AppToPay app from your devices app store using the links below.

Complete an Application

Follow the instructions to submit an application and establish a credit limit of up to £2,000.

Spread the Cost

Once approved you can use AppToPay to spread the cost of purchases made at participating retailers.

Get AppToPay

Download the AppToPay app from your devices app store.

From the blog

The latest from the AppToPay team.