Fees & Charges
All the fees are listed in the app clearly. No other hidden costs.
Annual Percentage Rate (APR): 36%
Monthly interest rate: 3%
Processing fee: 10% -13%
Loan term: 91-180 days
A 3 months loan of ₹ 10,000
Interest: ₹ 605.91
Processing fee: 10% x ₹ 10,000 = ₹ 1000
GST (18% on processing fee): ₹ 180
Amount Received: ₹8,820
EMI payable per month: ₹ 3535.30
Total Repayment: ₹ 10,000 + ₹ 605.91= ₹ 10,605.91
Tired of the complicated procedures of applying bank loans? Install Atome Credit now! Apply on the app. All we need is your basic details and bank account details to process your loan further.
Atome Credit is a smart, fast and reliable Instant Personal Loan App. The entire application process takes merely a few minutes. The loan amount is disbursed into the applicant’s bank account on the same day.
Personal Credit Line: This is a credit line that allows you to avail credit up to ₹ 30,000 whenever you want. No bank visit is required. With a Personal Credit Line you are offered a credit limit. You can then withdraw any amount of cash whenever you require from your credit limit and transfer to your personal bank account. You will get a monthly bill at the end of month reflecting the credit amount you had withdrawn alongside interest charges. You will be charged interest only on the amount that you have withdrawn from your credit limit.
EMI Loans: This allows you to borrow up to ₹ 30,000 for a tenure ranging from 3 to 6 months and pay back in easy installments.
100% Online and paperless application process
Loan amount is credited directly in your Bank Account within 24 hours
Low processing charges
Multiple Repayment options
Get a higher loan amount every time, you pay back on time
Legitimate app complying with all the laws, rules and regulations
Safe loans, no guarantee or mortgages required
Get money anytime, only need a smartphone with access to Internet
Low interest rates
Flexible payment terms
Repeat loans from Atome Credit take just a few minutes
Accessible anywhere across India
Above the age of 21 years
Currently employed or with a steady income
KYC Address Proof
Valid Bank Account
Last 3 months bank statement
How Atome Credit works?
Download the app and Register with mobile phone number.
View and confirm your loan offer.
Fill out your basic information.
Upload PAN card, Bank Statement and Address Proof
Complete KYC verification.
Submit your application.
Once approved, the loan amount is credited to your bank account within minutes.
Call: 1800 572 6266 (Toll Free Number)
08068397800 (Landline Number)
Customer Service Support: 9am-6pm (Monday to Friday) and CLOSED on public holidays
L-19, LGF, Kalkaji, NEW DELHI, New Delhi, Delhi, India, 110019
Security & Protection of Privacy
Your personal information is completely secure. We have stringent processes in place to protect customer data.