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It's all about you

We know giving you choice is important.

V12 finance at your fingertips,
anytime, anywhere with
V12 AppToPay

Customer on their phone
Person smiling looking at their phone in a city Person holding a smartphone showing the app to pay app with flowers in the background
Person holding a smartphone showing the app to pay app

V12 App To Pay Logo

71% of V12 customers asked for an app to manage their V12 Finance on the move.

89% asked for a way to find retailers they could shop with*.

We listened and created an app designed with you in mind - V12 AppToPay.

AppToPay Features:

  • Find retailers who offer V12 Retail Finance using our retailer directory
  • See the types of finance we offer
  • Check 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
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Download the app

AppToPay is free to download and available to new and existing V12 Retail Finance customers.

Click to get it now.

Download on the App Store Get it on Google Play
An image of a smartphone witht eh app to pay app on the screen

*V12 Customer Survey, December 2023 - based on 1096 responses.

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 Limited act as a credit broker 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.

Trustpilot

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 Limited act as a credit broker and 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.

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 for both: Yorke House, Arleston Way, Solihull, B90 4LH.

V12 Retail Finance is a trading name of Secure Trust Bank PLC. All communications with us will be monitored/recorded to improve the quality of our service and for your protection and security.