AppToPay 2.5

The V12 AppToPay by V12 Retail Finance is a mobile application designed to assist users in locating retail outlets, understanding various financing options, and managing their V12 Finance accounts remotely. From a user experience perspective, this app consolidates essential financial tools into a single platform, facilitating convenient access to account information and transactional capabilities.

Key features include:

• Locating participating retailers through an integrated directory
• Accessing detailed information about available financing options
• Checking personal loan eligibility without negatively impacting credit scores
• Monitoring account balances and payment histories
• Processing payments and updating scheduled transactions with automatic due date notifications
• Sending secure messages directly to support channels
• Viewing and downloading pertinent documentation securely

The application is intended exclusively for mobile devices. Users must accept the ‘Terms of Use’ prior to accessing its features. Service quality may be influenced by device connectivity and performance. V12 Retail Finance emphasizes robust security protocols aimed at safeguarding users’ accounts and personal data, details of which are available at https://www.v12retailfinance.com/security/staying-safe-online.

Company Overview:

• V12 Retail Finance provides credit products subject to approval. Eligibility is limited to UK residents aged 18 and over. Specific spend thresholds apply.
• Failure to meet payment obligations may incur charges, accrue additional interest, and adversely affect future borrowing prospects.
• Legal entities: V12 Retail Finance Limited (registered in England and Wales, number 4585692), regulated by the Financial Conduct Authority (registration number 679653). Corporate address: Yorke House, Arleston Way, Solihull, B90 4LH. Correspondence address: 25-26 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ.
• Operating as a trading name of Secure Trust Bank PLC (registered in England and Wales, number 541132), authorized by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Registered office: Yorke House, Arleston Way, Solihull, B90 4LH.

Brokerage Information:

• V12 Retail Finance Limited acts as a credit broker introducing customers to Secure Trust Bank PLC for retail finance applications. Successful applicants will result in V12 Retail Finance Limited earning a commission, which varies based on the product and credit amount.
• V12 Personal Finance operates as a trading name of V12 Retail Finance Limited and introduces clients to selected lenders or brokers. It does not offer advice or recommendations and does not encompass the entire lending market. Compensation from lenders or brokers may be a fixed sum or percentage of the loan amount. Offers are presented with unsecured options first, followed by secured options, organized by loan amount, term, and lowest APR. Prior to application completion, users will be informed of the specific commission arrangements associated with their chosen product.