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What is AppToPay?

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.

What do I need to do to make a purchase?

The process is quick and easy, taking less than a minute to complete your application if you are accepted. Applications may be referred for further information checks or declined, in these circumstances the application time will be longer. Subject to your application being approved, you can start spending straight away. Simply choose AppToPay at the checkout for purchases of £100-£500 and you'll be provided with a code on screen/in store. Just enter the code provided into your app and follow the messages on screen. If you've not yet opened an AppToPay account, please see how to do this here.

How do I make payments for AppToPay?

The payment for each instalment will automatically be collected from your bank account by Direct Debit. You can monitor your payment schedule in our app as well as turning on push notifications for helpful reminders when you have a payment due. If you make other purchases, they'll all be put together in one bundled Direct Debit Payment.

Am I eligible for AppToPay?

This is a credit product. To be eligible for AppToPay you must be aged 18 and over and be a UK resident with 3 years UK address history. Your application approval is subject to AppToPay reviewing the details you provide and your financial circumstances. A full credit search will be required when you initially apply for your AppToPay account, but not for any further purchases afterwards.

Can I have my AppToPay order delivered to another address?

All accounts must be set up with one address only. If you are having a delivery of your goods, this must be delivered to the address on your account.

What happens if I cancel or return my order?

If you wish to make a full return or cancellation, you will need to discuss this with the retailer. The retailer will then need to process this for you and we will then automatically cancel any future scheduled payments as well as refund any payments already made. The return will be reflected in the AppToPay app within 5 working days. If you are returning part of your order, your remaining purchase amount will be split across your remaining payments.

What happens if I don't pay for my order?

AppToPay will automatically attempt to collect your payment for your order using the Direct Debit set up in the app. If we are unable to collect your payment on the scheduled due date, AppToPay will make one further attempt to automatically collect payment 1 week later and charges may be applied to your account in line with your Terms and Conditions. AppToPay will notify you when a payment is due in advance of attempting to collect your payment and you can always monitor the due date in the AppToPay app at your convenience. Please be aware, your credit score may be impacted if payments are not paid on time. You will not be able to make any future purchases whilst your account is in arrears and failure to maintain payments may mean you repay more than borrowed and make future borrowing more difficult.

How can I keep up to date with my account balance?

You can view your available balance in your app 24/7. In addition to that, you'll also receive a monthly statement prior to your Direct Debit being taken.

Can I pay before the due date?

Yes of course! You have the option to change your payment date to suit you, and if you want to make additional payments, you can just go to the AppToPay app and pay off extra or in full at any point using a debit card.

How can I get in touch about AppToPay?

You can visit the AppToPay app or AppToPay's website for a full list of FAQs, demo videos and contact options. If you still wish to contact AppToPay, you can do this by emailing or by phone 029 2046 6335 (Monday-Friday 9am-5pm).

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: Yorke House, Arleston Way, Solihull, B90 4LH. 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.

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