Go ahead, treat yourself!*

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.

Interest free

Spread the cost of each purchase over 3 months

Up to £1,000 credit limit*

No upfront payment or deposit

Decision in minutes

Manage your purchases in one place

View your account 24/7

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.

Over 30 years

retail finance experience

24/7

Account access

FAQs

AppToPay is a trading name of Secure Trust Bank PLC and V12 Retail Finance Limited. V12 Retail Finance Limited is a credit broker, not a lender, and introduces you to Secure Trust Bank PLC, its parent company. If your application is successful, V12 Retail Finance Limited will receive a commission, the amount will vary depending on the amount of credit taken out. V12 Retail Finance Limited. Registered in England and Wales 4585692. Authorised and regulated by the Financial Conduct Authority. Registration number: 679653. Correspondence address: 25-26 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ. Registered Office: One Arleston Way, Solihull, B90 4LH. Secure Trust Bank PLC. Registered in England and Wales 541132. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration number: 204550. Registered Office: One Arleston Way, Solihull, B90 4LH. All communications with us will be monitored/recorded to improve the quality of our service and for your protection and security.