AppToPay is an app based consumer finance product that has been created to eliminate the most frustrating elements of obtaining goods on interest free finance while shopping in your favourite retail stores, giving shoppers a ‘one-stop’ solution that takes care of credit approval, setting up monthly payments, budget control and consumer cover.

If you have applied for traditional forms of consumer credit in the past, such as in-store interest-free loans or store cards, you will have noticed that they take a lot of time to process. First of all, a sales advisor has to take all of your personal and financial details, and then there is the lengthy wait for approval from the store’s retail finance partner and the possibility of an embarrassing in declined application.

AppToPay cuts this whole process down to just a few moments because shoppers can register and establish a credit limit before they hit the shops, meaning that obtaining the goods on finance is as simple as a regular cash or card transaction.

For each purchase that is made using AppToPay, the user can choose the repayment term between two months and twelve months without having to start the credit application process all over again - store cards, credit cards and finance agreements are usually fixed from the very beginning in this respect.

There are no interest fees to pay, provided that consumers keep up with the necessary payments by direct debit, and although this is a brand new approach to retail finance the all-important Section 75 cover still applies for account holders. This gives absolute peace of mind that purchasers are covered in the same manner as those with more traditional forms of credit.

The AppToPay app itself is laid out in a way that gives users instant access to the information that they need to plan their monthly outgoings effectively, and it is ultra-secure due to its integration with existing biometric security on smartphone devices, significantly cutting the risk of fraudulent transactions.

What’s New

Version 3.0.8

Version 3 brings our App in line with our new brand, alongside making key areas of the app simpler to access.

Ratings and Reviews

3.9 out of 5
7 Ratings

7 Ratings

ZebbyD ,

Great solution to spreading payments

Easy application and fast approval. Helped me to spread the cost of a high ticket item, without charges or interest. Would highly recommend.

Developer Response ,

Hi ZebbyD,
Thank you for your feedback, it is really appreciated. Best, James @ AppToPay

vangryman ,

Absolute waste of your time

I applied for this as it sounds like a good idea with my wife’s 40th coming up thought I’d get her a new bag and split the payments over 6 mths it took a week for a reply and I had to send 3 emails and 2 phone calls to get one after they’d done a hard search on my credit file which is a good one by the way they want me to send screenshots of my bank statements as proof I get paid even though I sent latest payslip and never have I been asked to send screenshots of my statement to anyone for credit before so don’t bother with theses people somethings not right waste of time

Developer Response ,

Hi vangryman, 

I am sorry you feel you have had a poor experience with us.

As part of our regulatory obligations we have to verify the declared income for each application we receive in order that we are able to make a responsible lending decision when issuing a new line of credit.

As you were unable to provide a payslip that showed the income you had declared on your credit application we offered sending a screenshot of any other income you have being received into your bank account as an alternative, this is common practice in this sort of circumstance.

We have just released update which negates the need for this kind of request (Version 2.0 and beyond) by utilising the government lead OpenBanking system.

tttev ,

Just a joke

I provided more than 3 years of addresses and was keeping showing message to provide at least 3 years of addresses. I pressed back to start the process again and I was in the dashboard all the sadden with 0 approved. Without address history or income. Received multiple emails for the same reason that I declined. When triedto send a screenshot to support the app always crashes. Amazing you make a decision telepathically. Must be the next step to human evolution

Developer Response ,

Hi tttev,

Thank you for your feedback and I'm sorry to learn you have had a negative experience of AppToPay.

As a responsible lender we have to adhere to certain rules in order to make an informed decision as to whether we should lend money to an applicant or not.

To do this we rely on a mix of data sources such as credit bureau data.

Unfortunately the information you provided was not recognised by the credit bureau so we were left with no choice but to decline your application.

We are in the process of releasing an update which will make our help function more stable, this is due out very shortly as version 3 of the app.

James @ AppToPay


AppToPay Ltd
65.3 MB

Requires iOS 11.0 or later. Compatible with iPhone, iPad and iPod touch.



Age Rating


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

More By This Developer

You May Also Like