Find out more by downloading our exclusive app

The freedom of
a credit card,
without the fees

AppToPay is an app that lets you spread the cost of purchases over time, but unlike credit cards, there’s no interest or fees.

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

Download the app

Buy today,
pay it back over time

Get up to £2000 interest-free in just 3 easy steps.

Designed for a
limitless lifestyle

AppToPay is perfect for those who are already in control of their finances, but want the flexibility to buy without worry.

Spread the cost

Instead of paying for everything upfront, you can spread the cost over several months (up to 12!)

0% Interest

While credit cards and bank loans will charge you interest, AppToPay is 100% interest free, guaranteed.

Choose your payback terms

Pay off your purchases over 2, 3, 4, 5 or even up to 12 months without accruing interest or additional charges.

Convenient + accessible

No clunky credit cards or cheques! Because AppToPay is app based on your phone, it goes wherever you do.

Credit when you need it

Once approved, your line of credit continues to rejuvenate as you make repayments (no additional applications or approvals required!)

Get pre-approved in minutes

Simply download our app and fill out the application to get started. As soon as you’re approved, you can start shopping.

Download the app

You’ll never go back
to credit cards again

After using AppToPay just once, you’ll see why so many people have made the switch.

Simply tap, pay,
and you’re on your way!

Get up to £2000
interest-free

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