Atome MY - Buy Now Pay Later

APaylater Financial Pte Ltd

🌟 Shop Now, Pay Later

About this app

Atome is Malaysia’s top PayLater app, offering a seamless shopping experience through flexible payment options that let you split your purchases into 3 equal monthly payments. Short for "Available to Me," Atome empowers you to manage your budget and maximize every purchase with its quick pay options and user-friendly app.

Shop popular categories including fashion, beauty, lifestyle, travel, fitness, homeware, and electronics.

Download the Atome app today to unlock an RM15 voucheron your first purchase!

🌟 Shop Now, Pay Later

👉 How Atome PayLater Malaysia Works

1. Pay with Ease
- Online: Select Atome at checkout for quick, cash-free payments.
- In-store: Scan the QR code at the cashier.
2. Flexible Payment Options
- Split purchases into 3 interest-free installments.
- Need more time? Choose extended plans with a small fee. Transparent costs, no surprises!
3. Earn Rewards
- Earn 1 Atome+ point for every RM1 spent. Redeem points for exclusive rewards or offset future purchases.
4. Stay Organized
- Manage payments easily in the app. Get reminders and track bills seamlessly.

👉 What You’ll Love About Atome

1. 🔥 Buy Now, Pay Later
Split purchases into 3 easy installments with interest-free payments or opt for flexible plans.
2. ⚡ Quick & Easy Registration
Sign up in 72 seconds and complete your first quick pay transaction effortlessly. Payments are auto-deducted from your credit or debit card.
3. 💰 Earn & Save More
Enjoy exclusive cashback deals and vouchers with every purchase.
4. 😍 Shop Online and In-Store
Shop at TikTok Shop, Zalora, Sephora, Shein, Decathlon, Samsung, Agoda, and more. Explore categories from fashion and beauty to travel and home essentials.
5. ✨ Exclusive Discounts
- RM15 welcome voucher for your first purchase
- Cashback offers, personalized recommendations, and Atome-exclusive promos

Step into a world of flexible payments—shop more, save more, and get the most out of every purchase!

Download the Atome app today to have a savvier lifestyle.

☎️ Contact Us

Need help? Email [e-mail].
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Ratings and reviews

Atome is a buy-now-pay-later (BNPL) app that lets users split purchases into three interest-free payments. The app is easy to use, with a clean interface and fast approval process. It supports a wide range of stores both online and offline. However, users should be cautious with spending, as missing payments can result in fees. Overall, it's a convenient tool for budget management if used responsibly

I hate this App. I was told next payment will at end of the month. It would be perfect due to salary day. But charging in the middle of the month with extra payment is very frustrating. The moment you use atome that day will be the date of the next payment. While your salary will be another few weeks. Not using this app afterward. Even with descendent and everyone i know. I will block it off!!. Spread a good cause right. Hate this Atome!

Flexible and easy apps plan install to us. Spending high amount but no need draw cash and just make installment without tax fee smooth my planning expenses. A lot of lover thing can bough all the time. No need worry forget payment, Atome can direct auto-deduct on my setting top-up card account easy Atome deduct without worry late payment. Thanks Atome installment apps. Truely support ATOME apps!!!!

What’s new

- Fixed some bugs and improved product performance.
- Enjoy! Time to own it!