Atome PH - Buy Now Pay Later

88.8K reviews
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About this app

🌹 Buy now, pay later just got better through Atome's credit and cash loan services.

Say hello to one of Southeast Asia's leading digital consumer financing platforms. Split your bills into 3 or 6-month installments with 0% interest on monthly purchases with the Atome Card.

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

Pay your SPayLater, SLoan, BillEase, Home Credit, and TendoPay bills using your Atome Card on GrabPay and Bayad Center.

πŸ‘‰πŸ» What you'll love about Atome:

1. Atome Card
🌟 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.
🌟 Easy application
- Simply apply on the app in minutes. No paperwork is needed.
🌟 Convenient for your needs
- Shop more of what you love with up to a β‚±200,000 spending limit.
🌟 Pay later anywhere that accepts Mastercard
βž” 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, supermarkets, and overseas merchants.
βž” 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 and TendoPay via Bayad Center.
🌟 Card Bills Payment
- Choose your preferred payment method: credit/debit card, InstaPay via your bank's mobile app, such as BPI, BDO, and UnionBank, e-wallets such as Maya & GCash, or over-the-counter payment via 7-Eleven.

2. Atome Cash
πŸ’° Easy cash loan and fast cash disbursement of up to β‚±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, such as BPI, BDO, and Unionbank.

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

πŸ‘‰πŸ» Total loan cost illustration
- Total monthly bill: β‚±2,000
- Bill amount: β‚±2,000
- Repayment term: 3 months
- Monthly interest rate: 2% (β‚±40)
- Total payment: β‚±2,120 at β‚±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

πŸ‘‰πŸ» Total loan cost illustration
- Total loan amount: β‚±3,000
- Repayment term: 6 months
- Monthly interest rate: 1.75% (β‚±52.50)
- Total payment: β‚±3,052.50 at β‚±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
Jul 4, 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

Ratings and reviews

88K reviews
Rodel AlbaΓ±o (Del)
July 13, 2024
I got approved but didn't use it and decided to close the account because someone close to me had an awful experience with this credit card. They make it impossible to get your refund when you cancel a transaction and discourage you to even go after it because they threaten you with their insane charges and processing fees which could get even more than your refund amount! I have used other cards and never had trouble with processing refunds. It's normal to cancel sometimes! DON'T USE THIS APP!
19 people found this review helpful
Magnum Emperial
July 16, 2024
I tried this app but the interest fee is too high. I intentionally did not pay my bill on time to see how their systems work. However, it is overly biassed in their favour. There's no option or calculation on how much interest fee you will get for a period of time. Also no option whether how many months will you pay them. They automatically compute my bill straight for 6 months. How absurd. I would rather use ShopeePay or SPayLater. Even TALA is better than this app.
1 person found this review helpful
ian ding
May 4, 2024
Very bad customer service doesn't know how to do the math.. If there a rating below 1 star, they deserve it. First one: they approved the reversal of interest but you still need to pay it anyway. Worst of the worst! Second: they will charge you auto deduction of when late payment or even if there only late credit your payments due to some transfer issues. Loss of words on how they are handling each issues. The end result is nothing. Hundreds of email over 6 months but the problem still exists
103 people found this review helpful

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.

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