AppToPay vVARY

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 Limited. V12 Retail Finance Limited 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, loan amount or APR. 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.