Atome PH - Buy Now Pay Later

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About this app

Say hello to happier shopping with one of Southeast Asia's leading digital consumer financing platforms - Atome.

We're with you wherever your passion lies, from fashion to travel, through our credit and cash loan services. Our buy now, pay later magic lets you split purchases into 3 or 6-month installments with 0% interest on monthly purchases, with the Atome Card. There are no income requirements or annual fees — simply sign up for free!

Quick online loans via Atome Cash are available at interest rates as low as 1.75% and installment plans of up to 12 months.

Pay your BillEase and Home Credit bills using Atome Card on GrabPay and Bayad.

What you'll love about Atome:
1. Atome Card
1). Better budgeting with flexible payment and installment options
- Stretch your budget and pay later at 0% interest on monthly purchases. Enjoy installment plans for up to 6 months.
2). Easy application
- Simply apply on the app in minutes. No paperwork is needed.
3). Convenient for your needs
- Shop more of what you love with up to a ₱200,000 spending limit.
4). Pay later anywhere that accepts Mastercard
- For online and in-store shopping, even overseas:
- Link your physical or virtual/digital card to e-commerce platforms like Lazada, Shopee, Grab, FoodPanda, and TikTok Shop.
- Tap-to-pay using Atome Card at SM Store, Robinsons, Petron, supermarkets, and overseas merchants.
- For your utility bills:
- Pay your utilities on time at Meralco, Maynilad, Globe, Smart, or on online apps such as BillEase via GrabPay and Home Credit via Bayad Center.
5). Card Payment
- Pay via debit/credit card or online bank transfer by selecting 'InstaPay'. Alternatively, over-the-counter payment via GCash or Maya is available through ECPAY.

2. Atome Cash
1). Easy cash loan and fast cash disbursement of up to ₱50,000. Repay loans in installments of up to 12 months with 1.75% interest. Apply online on the Atome app with these requirements:
- A registered Atome user with past in-app transactions
- At least 18 years old with a valid ID
- Has a bank account
Download the Atome app today for a better, savvier lifestyle!

- Valid PH ID
- 18 years old and above
- No minimum income requirement
- No paperwork

1. Download the Atome app and tap the 'Card' tab on the home page
2. Tap "Apply for free" and choose your preferred Atome Card
3. Fill in your personal information and upload your ID
4. Get approved in 1-2 days
5. Receive your Atome Card via mail

1. Activate your physical card on the Atome app
2. Use virtual card to shop online
3. Use physical card to shop online and in-store

- Monthly interest rates for as low as 2%
- Annual Percentage Rate (APR) ranging from 0%-46 %
- No service charges
- Installment plans are available in 3 or 6 months

Total loan cost illustration:
- Total monthly bill: ₱2,000
- Bill amount: ₱2,000
- Repayment term: 3 months
- Monthly interest rate: 2% (₱40)
- Total payment: ₱2,120 at ₱706.67/month

- Monthly interest rates for as low as 1.75%
- Annual Percentage Rate (APR) not more than 36%
- No service charges
- Installment plans for up to 12 months

Total loan cost illustration:
- Total loan amount: ₱3,000
- Repayment term: 6 months
- Monthly interest rate: 1.75% (₱52.50)
- Total payment: ₱3,052.50 at ₱508.75/month

Business Name: Atome PH
Corporate Name: Neuroncredit Financing Company Inc.
SEC Registration Number: CS201816338
Certificate of Authority No.: 1178
Bangko Sentral ng Pilipinas OPS Registration No.: OPSCOR-2021-0040

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Updated on
Feb 29, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Location and Financial info
This app may collect these data types
Personal info, App activity and 2 others
Data is encrypted in transit
You can request that data be deleted

What's new

- New style. New look. New home.
- Introducing our freshest Atome homepage yet. Get to experience all the features you love and more, now easier than before.