AppToPay

We’re making some exciting changes to our app. As we do this, you will notice that you will no longer be able to make purchases with some of your favourite retailers.

To make way for these exciting changes, we’re stopping new credit applications and purchases using the AppToPay finance product from 1st August 2024.


If you're an existing AppToPay customer, you will still be able to log in, view/download your important documents, and make changes to your personal information.

Any V12 Retail Finance agreements you may have, won’t be affected by this change.

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. The handy thing is that multiple purchases are allowed at one time until you’ve used your balance and combined into one Direct Debit payment.

* 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. Available retailers are subject to change at any time.

AppToPay is a trading name of Secure Trust Bank PLC and V12 Retail Finance Limited. V12 Retail Finance Limited is act as 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. 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: Yorke House, Arleston Way, Solihull, B90 4LH.