The future of
spending is here

AppToPay is a consumer finance product that eliminates the pains of interest-free finance by combining credit approval, monthly payments, budget control, and consumer cover — all in one convenient app.

  • 0% Interest
  • No Hidden Fees
  • Get up to £2,000 in credit

How AppToPay
came to be

“After working in my family’s designer fashion boutique for the past decade, I saw us miss out on many high-ticket sales due to a lack of financing options.

Customers would come in, drool over a £1,000 designer handbag, but would walk out empty-handed because they just couldn't justify the big lump sum payment.

Even after introducing traditional retail finance options, I continued to witness countless lost sales due to high fees, complicated approval processes, and inflexible payback terms that took too much time and in some cases, embarrassed our customers into never coming back.

I spent months looking for an alternative solution, including a branded store credit card that required unrealistic minimums. When I couldn’t find the right solution, I decided to create AppToPay, giving shoppers a safe, simple, and convenient way to get the things they want on their terms.”

-James Jones, Founder of AppToPay

Designed for
customers and retailers

With AppToPay, customers can get pre-approved for a revolving line of interest-free credit which means they can shop without worry and retailers aren’t wasting time with customers who don’t have money to spend.


  • 0% interest
  • Spread the cost
  • Flexible payback terms
  • Fast + easy


  • Get paid without risk
  • Expand your customer base
  • Entice customers to buy more, more often
  • No hardware, tech, or integrations
  • No minimums

Our mission is to put interest-free credit in everyone’s pocket

By doing so, people everywhere will have the freedom to quickly and easily spread the cost of any purchase — on their terms and at no extra cost.

Safe, simple,

Learn more about the values we live by at AppToPay.

Have a question for our team?

We’d love to hear from you! Drop us a note and we’ll get back to you within 24 hours or less.

Get up to £2000

Apply now to see how much credit is
waiting for you!