AppToPay is an 'interest free' line of credit, that means that we don't charge you any interest or fees on purchases as long as you aren't late with, or miss any, re-payments.

If a repayment is late or you miss a payment we reserve the right to charge you £12 per late or missed payment.

We hope we never need to but we also reserve the right to pursue missed payments by referral to a debt collection agency, in which case there will be additional charges.

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