Atome PH - Buy Now Pay Later 4+

Card & cash installment plans

APayLater Financials Pte Ltd

Designed for iPhone

    • Free

iPhone Screenshots

Description

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!

ATOME CARD APPLICATION ELIGIBILITY
- Valid PH ID
- 18 years old and above
- No minimum income requirement
- No paperwork

HOW TO APPLY FOR THE ATOME CARD
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

HOW TO SHOP WITH THE ATOME CARD
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

INFORMATION ABOUT ATOME CARD'S INSTALLMENT PLANS:
- 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

INFORMATION ABOUT ATOME CASH'S LOAN TERMS:
- 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

Connect with us via:
Web: https://www.atome.ph/atome-card
Help Center:
support@atome.ph
https://help.atome.ph/hc/en-gb/categories/4439682039065-Atome-Card
Social media:
https://web.facebook.com/atomecardph
https://www.instagram.com/atome.ph/

What’s New

Version 2.84.0

-Bug fixes and performance improvements.
-Enjoy! Time to own it!

Ratings and Reviews

4.8 out of 5
31.9K Ratings

31.9K Ratings

M Marciana ,

Unfounded decline

I admire your app and your cause at first that is why I became a loyal customer but lately you are making my purchases quite tiring as my card keeps on getting declined even if I have more than enough amount to cover the payment. Plus what’s demeaning is when you declined my actual card application due to unmatched information. What unmatched information are you talking about when everything is as what could be seen in my submitted ID. Your customer service reps are sometimes inefficient in addressing concerns. They cannot answer my questions properly. It’s like we are just running around the bush. No light at the end of the tunnel as the idiom goes. Please fix your system and your actual card application review because instead of retaining your loyal customers, you are driving us away from you. 😇

Developer Response ,

Thank you for taking the time to write this review. Your kind words encourage us greatly. Happy shopping! - Mawar :)

Mansoor Sil-ayen ,

My first review was deleted.

Writing another review since the first one I posted got deleted. Again, your CS reps are of no help at all. Your troubleshooting recommendations are of no help and don’t work. Your app shows a message of “risk detection… and to contact customer support to reverse…” but when I emailed your CS they provide canned responses and useless resolutions, worst they keep on saying they can’t do anything about it which is ironic given the message in your app. Here are the steps I have tried so far to “reinstate” the “privilege” of my account to make a purchase. Log out and log in - didn’t work Deleted and reinstalled app - didn’t work Changed payment method multiple times - didn’t work Waited for 3 and MORE days - didn’t work Combination of ALL OF THE ABOVE - didn’t work Now every time I open the app, still the same message. Got fed up and wanted to delete my account, but it was asking for my account ID which can’t be seen on the app. So I emailed your CS to get that info or to have them delete my account, but what do you get? They also don’t know the info (???) and can’t do the deletion on their end - AGAIN NO SURPRISE as to what your CS CAN’T DO - they don’t DO anything at all. To anyone who wishes to download this app - better look for an alternative.

Developer Response ,

Apologies for the inconvenience. Thanks for the review. -Toni

Mammon's Baby ,

Risk System Problem

I have encountered a lot of problem with the app. My cards won't connect and I incurred admin fees for not being able to pay on time because of the the card problem. I was told it was a problem with the other banks not accepting atome, so I change three times. I'm not that much bothered even though ot was a hassle since I really wanted to enjoy the app. However, last week while I was trying for my SECOND PURCHASE I emcountered the propmt regarding the risk system blocking my purchase and the app prompted for me to appeal. After reaching out, the customer service told me that I won't able to use it anymore yet they refuse to give me the reason as to why. How come? How do you expect people to appeal when you don't even give a reason? What do we do appeal in the dark?

You blocked me out from the main purpose of the app but then again I can still use the card so it I did not comment on it, but lo and behold, now that I have updated, I CANNOT EVEN PAY FOR OTHER BALANCES?! what the hell atome? Can you at least give us some reason as to why this should not be reported to the government? Because to be honest I am already nearing my limits. One disappointment after the other. I could not even recommend this to other people. 😡

Developer Response ,

Hi, we are always looking to improve the experience for our users, and really appreciate the feedback. If there is anything specific we can look into, please contact us at support@atome.ph. -Toni

App Privacy

The developer, APayLater Financials Pte Ltd, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Contact Info
  • Search History
  • Identifiers
  • Usage Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Contact Info
  • Search History
  • Identifiers
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More

Supports

  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

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