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AppToPay review: How it works and if it’s right for you

Avoid the temptation of dipping into your rainy-day fund with this handy app that lets you shop now and pay later.

AppToPay is the latest buy now pay later app that lets you buy goods without raiding your savings. You receive the items instantly and can spread the repayment costs with no interest or fees to pay. The catch? As of August 2021, it’s only available to use at one retailer.

What is AppToPay?

AppToPay is a free app you can download and use to pay for items instead of a credit or debit card. You then pay off the balance over a period of between 2 and 12 months. Payments will automatically be debited from your bank account each month. There’s no interest or fees and you can get up to £2,000 in credit.

How does AppToPay work?

Download the app, fill in an application form and, if approved, you’ll be given a line of credit up to an agreed amount. You can then use the app to make purchases of £100 or more through approved retail partners up to your permitted credit limit.

For each purchase you’ll be asked at the point of sale to choose your preferred repayment period, which can be between 2 and 12 months. You then pay off the balance in monthly direct debit instalments.

If you make multiple purchases, AppToPay will calculate the amount you owe each month to satisfy all your payment plans. It will then collect the amount as one combined direct debit payment. This calculation is based on your account usage as of the 25th of the previous month.

Features of AppToPay

  • Free to use. AppToPay won’t charge you a monthly fee for using the app, unless you miss a payment. You will be charged £12 per month for every late or missed payment.
  • Zero interest. Unlike most credit cards, you won’t be charged interest on the items you buy.
  • Spread the cost. Choose a repayment plan that suits you. Pay off your purchases over a period of between 2 and 12 months.
  • Continual credit. Once you make a payment your line of credit automatically replenishes – no additional approval required.
  • Fast transactions. In-store payments with the app take less than 30 seconds.
  • Safe and secure. Your personal information is encrypted to make sure your data is safe at all times.
  • Warning: Late repayments can cause you serious money problems. For help, contact the Money Advice Service.

How much does AppToPay cost?

AppToPay is free to download and there are no interest charges. If you miss a payment or a payment is overdue you will be charged a late fee. Your account will also be put on hold until the missed payment is received.

How do I sign up for AppToPay?

You must be over 18 and live in the UK with a bank account. All you have to do is download the app from the App Store or Google Play and fill in an application form. Your credit profile will then be checked and verified and you’ll receive a line of credit up to £2,000. Application approvals can take up to 48 hours.

Will I be accepted for AppToPay?

Yes, as long as you are over 18 and have a good credit rating.

Where can I shop with AppToPay?

Here’s the snag. Currently, AppToPay is only available with one retailer, Robinson’s of Bawtry, an independent designer fashion boutique in South Yorkshire.

The bottom line

AppToPay joins the competitive buy now pay later landscape and positions itself to compete with the likes of Clearpay and Klarna.

As it stands, AppToPay is only available at one retailer but will likely grow its clients as time passes and it expands its partner list. The £12 late fee charged by AppToPay is significantly higher than its competitors and that, combined with its small partner list, means you’re likely to have an easier time shopping with a buy now lay later competitor until AppToPay becomes more established.

Frequently asked questions

Can I apply for a refund?

Yes, as with any retail purchase, you can return goods bought using AppToPay. Simply return your item to the retailer and request a refund. It will then contact AppToPay with a refund request, which will be processed within 5 working days.

Everything you’ve paid so far will be reimbursed to you and no future payments taken. It’s important that you don’t try to cancel your direct debit mandate yourself as this could affect your credit profile.

How do I contact customer service?

If you have any issues or queries, you can contact AppToPay by:
Email: hi@apptopay.com
Phone: 0845 388 0772
Post: AppToPay Ltd, 2 South Parade, Bawtry, South Yorkshire DN10 6JH

Where can I see how much I owe?

The app is easy to use and you can clearly see how much you owe in your payment plan and what your repayment schedule is each month.

Can I make extra payments?

You can choose to make an overpayment by clicking on the 3 dots next to the name of the purchase in the app and tapping “Make an Overpayment”. The amount you can pay each month is capped at £100 and this is known as your Maximum Monthly Repayment Limit.

Can I make multiple purchases with AppToPay over a period of time?

Yes, you can use AppToPay to buy a number of items as long as you don’t exceed your agreed credit limit. Even if you have multiple payment plans on the go at one time, AppToPay will calculate what you owe on each of them and then collect the amount as one combined direct debit payment.

Every time you make a payment, your account will be credited and you’ll have more to spend.

What happens if I can’t pay?

If you miss a payment or a payment is late, your account will be frozen and you won’t be able to buy anything else until the payment is made. You will also be charged £12 per month for every late or missed payment.

If you have ongoing struggles with repayments, don’t bury your head in the sand. Contact AppToPay as soon as possible to discuss your options. It might be able to grant you a repayment holiday until you get your finances sorted or restructure your payment plan so you pay off less each month.

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