AppToPay

🇺🇸 United States
V12 Retail Finance Limited  | 
16
ASO score
Text
21/100
Reviews
0/100
Graphic
28/100
Other
0/100
rating
App Rating
3.6
rating
Votes
2.48K
rating
App Age
2y 8m
rating
Last Update
Nov 11, 2025

Compare with Category Top Apps

Metrics
Current App
Category Top Average
Difference
Installs
169.9K
6.3M
-97%
Rating
3.62
4.25
-15%
Number of Ratings (Voted)
2.5K
9.4M
-100%
App Age
2y 8m
6y 0m
-56%
In-app Purchases Price
$0
$145
Update Frequency
89d
76d
+17%
Title Length
8
26
-69%
Short Description Length
78
67
+16%
Description Length
3 517
2 748
+28%
Number of Screenshots
435
848
-49 %
Has Video?
No
0% has videos
Size
0MB
0MB

Category Ranking in United States

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Top Dec 19, 2025 Dec 26, 2025
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Top Dec 19, 2025 Dec 26, 2025
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Top Dec 19, 2025 Dec 26, 2025
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Downloads

Downloads Graph
Downloads icon
Total
156.6K
Last month icon
Last month
11.6K

Text ASO

Title (
Characters: 8 of 50
)
AppToPay
Short Description (
Characters: 78 of 80
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Find retailers, finance products & manage finance easily with V12 AppToPay
Description (
Characters: 3517 of 4000
)
V12 AppToPay from V12 Retail Finance, an app designed to help you find places to shop, learn more about ways you can spread the cost and manage your V12 Finance on the move. Use V12 AppToPay to: • Find retailers who offer V12 Retail Finance using our retailer directory • See the types of finance we offer • Check your eligibility for a personal loan without harming your credit score • Keep track of your balance and payments • Make or change payments and see when they're due • Send us a secure message anytime, anywhere • View and download important documents Download V12 AppToPay to find and manage ways to pay for the things you love. Important information AppToPay is compatible with mobile devices only. You will be required to accept our app ‘Terms of use’ before being able to access our app. Your phone’s signal and functionality may affect your service. We take your online safety seriously and use the latest security measures to protect your accounts, personal information, and privacy. Find out more at https://www.v12retailfinance.com/security/staying-safe-online. Company Information V12 Retail Finance offers credit products. 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 charges are incurred, more is repaid than borrowed and it can make future borrowing more difficult. V12 Retail Finance Limited. Registered in England and Wales 4585692. Authorised and regulated by the Financial Conduct Authority. Registration number: 679653. Registered office: Yorke House, Arleston Way, Solihull, B90 4LH Correspondence address: 25-26 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ. V12 Retail Finance is a trading name of Secure Trust Bank PLC. Registered in England and Wales 541132. Secure Trust Bank PLC is 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. Broker Information For Retail Finance: 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 product chosen and the amount of credit taken out. For Personal Finance: V12 Personal Finance is a trading name of V12 Retail Finance. V12 Retail Finance is a credit broker, not a lender. V12 Personal Finance introduces you to a limited range of brokers or lenders who may offer you a loan. V12 Personal Finance does not work with the whole of the lending market, meaning other loans may be available to you elsewhere. V12 Personal Finance does not give you any recommendation or advice. V12 Personal Finance acts for itself and is not impartial. It does not act for you or for the lenders or brokers it works with. V12 Personal Finance receives a fixed or percentage commission payment from the lender or broker if you take out a loan. The commission it receives varies depending on the product and loan amount. Loan offers (if available) are shown in this order: unsecured loans followed by secured loans, ranked by the closest matched loan amount, term and lowest APR respectively. Before completing your application, you will be shown the commission arrangement between V12 Personal Finance and the lender or broker you have selected.}
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Visual ASO

Screenshots

Rating & Reviews

Reviews Overview
🧐 Coming Soon…
Rating
3.6
2 475 voters

Some Latest Reviews

waqar hussain
30 Nov, 2025
5
very easy to use the app, UI is very good. only thing i keep getting display message to update, but there is no update to do.
Chris Moutray
29 Nov, 2025
3
Access to my account was straightforward. I can see balance and transaction history no problems. But 2 concerns: Why does the app keep asking me for location permissions? And the second thing, why does it keep telling me to update the app when there are no updates available?
Jamie Barrie
28 Nov, 2025
2
even though it scanned my thumb so I didn't need to type in a password it never gives me the option to use my thumb so I need to type my password. pointless
Linda McGovern
13 Nov, 2025
5
easy to use can keep track of your payments and you can pay extra to your account to bring your payments down quicker.
Jon Wise
08 Nov, 2025
2
Come on, get with it. Have to put my email and date of birth in each time I open the app and no auto fill or fingerprint recognition for password. No thanks. I've also registered and logged in via email. Still not working.
Maria Cox
07 Nov, 2025
1
the app is telling me my postcode where I actually live, is 'invalid'???
Martin Jones
26 Sep, 2025
4
Very neat app, well laid out and easy to find what you need and facilitate what's required.
Jon Wise
07 Sep, 2025
2
Come on, get with it. Have to put my email and date of birth in each time I open the app and no auto fill or fingerprint recognition for password. No thanks.
Anthony House
29 Aug, 2025
1
too difficult to open. repeats access function, depends on you knowing a very long access code

Other

Additional Information
Rating:
3.62
Voted: 2.48K
Google Play Link:
Website:
Email: -
Privacy Policy:
Categories: Finance
Size: -
Installs: 156.64K
App Age: 2 years 8 months
Release Date: Apr 24, 2023
Last Update: Nov 11, 2025
Version: 2.8
Version history
2.8
Nov 11, 2025
2.7
Oct 20, 2025
Version history