AppToPay

🇺🇸 United States
V12 Retail Finance Limited  | 
21
ASO score
Text
2/100
Reviews
0/100
Graphic
82/100
Other
0/100
rating
App Rating
3
rating
Votes
48
rating
App Age
2y 8m
rating
Last Update
Nov 12, 2025

Compare with Category Top Apps

Metrics
Current App
Category Top Average
Difference
Rating
3
4.66
-36%
Number of Ratings (Voted)
48
96K
-100%
App Age
2y 8m
7y 8m
-65%
In-app Purchases Price
$0
$137
Update Frequency
89d
62d
+45%
Title Length
8
25
-68%
Subtitle Length
0
27
Description Length
1 747
2 743
-36%
Number of Screenshots
5
1304
-100 %
Size
52MB
120MB
-57 %

Category Ranking in United States

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Top Dec 21, 2025 Dec 28, 2025
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Top Dec 21, 2025 Dec 28, 2025
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Top Dec 21, 2025 Dec 28, 2025
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Top Dec 21, 2025 Dec 28, 2025
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Ranking Keywords in United States

Keywords App Rank
Illustration
Analyze this and other apps using Asolytics tools

Text ASO

Title (
Characters: 8 of 30
)
AppToPay
Subtitle (
Characters: 0 of 30
)
Description (
Characters: 1747 of 4000
)
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. 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.}
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Visual ASO

Screenshots

Rating & Reviews

Reviews Overview
🧐 Coming Soon…
Rating
3
48 voters

Some Latest Reviews

jons frustated again
13 Nov, 2025
1
It’s a good job the finance is interest free! Tried previously to register my account that I’ve held for around 18 months just for it t to constantly say my details are incorrect…. Errr I think I know my email address and DOB! Very frustrating and given up with it!
cocogreat1
12 Nov, 2025
5
App has been great easy for me to understand my loan process and see how I proceed Good job guys
tyrone_185
09 Sep, 2025
1
When i first downloaded the app it was working perfectly now it wont let me sign in but can on line with same details i dont get why this is such an issue for many people other than my self
Samalbion1
02 Sep, 2025
1
Face ID doesn't work with this app. The app doesn't generate a settlement quote when asked.
B18CEB
23 Aug, 2025
1
App does let me in but is constantly buffering (despite having wifi and sat next to the route with everything else working) so ca’t see my account! Then throws an error message with an email on - which I have used (no response) 👎
Kimbo83.
25 Jul, 2025
1
Can’t get past sign up page, add details and dob and the blue button to sign up is greyed out
waterman456
11 Jun, 2025
1
Signing up to the app, once it says use Face ID it just goes back to the initial screen of enter email and date of birth.
Burgamo
09 Jun, 2025
1
This app constantly does not work, the constant changing of log in options makes it not with the bother, set up face login it will work for a few days then delete and go back to password, try setup again and it will delete all information, waste of time app
Betty Boop 1978
07 Mar, 2025
5
Really easy to download and use, I love that this app lets me do everything I want quickly and easily. I also love that I can read about the other types of finance I can get with V12. Would recommend.

Other

Additional Information
Rating:
3
Voted: 48
App Store Link:
Website: -
Email: -
Privacy Policy:
Categories: Finance
Size: 52MB
App Age: 2 years 8 months
Release Date: Apr 26, 2023
Last Update: Nov 12, 2025
Version: 2.8
Version history
2.8
Nov 12, 2025
In this update, we’ve done some behind-the-scenes tidying up to keep everything running smoothly.
2.7
Nov 05, 2025
In this update, we’ve made it easier for Buy Now Pay Later customers to make payments, improved how retailer names appear in the directory, and carried out some general housekeeping (like updating links, refining copy, and updating the timelines for making some agreement changes) to make everything easier to understand.
Version history