Atome PH - Buy Now Pay Later

Your favorite buy now, pay later app is evolving into an all-in-one financial solution in the Philippines!

Atome, a leading digital consumer financing platform in Southeast Asia, now offers more than just flexible credit and installment plans. With Atome, you can:

Shop smarter, hassle-free: Scan to pay using QR Ph and enjoy flexible 3 or 6-month installments with the Atome Card, plus 0% interest on monthly purchases.

Access cash instantly: Get fast, low-interest loans to meet your daily needs.

[ Atome Card ]

1. Experience fast and secure cashless payments with QR Ph

- Enjoy easy QR payments by scanning available QR codes at checkout counters using the Atome app.

2. Better budgeting with flexible payment and installment options

- Stretch your budget and pay later at 0% interest on monthly purchases. Enjoy installment plans of up to 6 months.

3. Convenient for your needs

- Get up to a ₱200,000 spending limit when you apply on the app in minutes.

4. Pay later anywhere that accepts Mastercard, even overseas

- Link your physical/virtual Atome Card to shop on Lazada, Shopee, Grab, and more.

- Tap to pay or benefit from QR payment using your phone in-store.

- Settle utility bills on time, even on online apps such as BillEase via GrabPay, and Home Credit and TendoPay via Bayad Center.

5. Card bills payment

- Pay your Atome Card bills via credit/debit card, InstaPay via your bank's mobile app, like BPI, BDO, and UnionBank, e-wallets such as Maya & GCash, or over-the-counter payments.

[ Atome Cash ]

Apply for online loans with Atome Cash and enjoy quick approval and disbursement for up to ₱50,000 and repayment plans of up to 12 months for as low as 1.75% interest.

[ How to apply for cash loans: ]

- Get the latest version of the app and tap "Cash" on the homepage

- Tap "Apply for free" and proceed with the necessary information. Provide your bank account details on BPI, BDO, UnionBank, for easier cash disbursement.

- Once approved, tap "Request loan" and you're done!

Download the Atome app today for a savvier lifestyle!

[ ATOME CARD APPLICATION ELIGIBILITY ]

- Valid PH ID

- At least 18 years old

- 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 homepage

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

[ ATOME CARD 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

Example total loan cost:

- 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

[ ATOME CASH 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

Example total loan cost:

- 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

Address: Unit 1005 Centerpoint Bldg. Julia Vargas Ave. Cor. Garnet Rd. Ortigas Center, San Antonio, Pasig City 1605

[Connect with us via:]

Official Web

Help Center:[email protected]

https://help.atome.ph/hc/en-gb/categories/4439682039065-Atome-Card

Social media:

https://web.facebook.com/atomecardph

https://www.instagram.com/atome.ph/