What is Atome?
Atome is a mobile app that features a “Buy Now, Pay Later” for its users. The amount of money borrowed can be split into three equal payments for 3 months and up. For Atome, every consumer lives in the moment and doesn’t have to wait to get the things they want. This is why their financial services can give you a head start to purchase products from many different partnered stores and pay the actual bill in the future.
Atome Philippines is part of the Neuroncredit Financing Company – a Singapore-based financial company that has branches all over Asia. It was established in 2015 and has been serving easy access to loans since then.
Atome credit cash loan, how does it work?
In Atome Credit Cash Loan – or their Buy Now, Pay Later feature, the user can borrow money from 1,000 pesos to 12,000 pesos. This money can be used to buy different products from their different partnered merchants. Your bill will be automatically split into three equal amounts for your monthly installment.
What is buy now and pay later?
Atome offers the option of a Buy Now, Pay Later finance format. This means that Atome users can make purchases on different merchats with a small downpayment and the remaining amount can be paid later by different installment.
How much is Atome loan?
You can get Atome cash loan in the amounts of 1,000 pesos to 12,000 pesos. In addition, you can pay the loan after 7 days if you somehow had enough money to pay it back. But you can still extend the monthly installment up to 3 months.
Interest rate
The sum of interest you have to pay each day can vary between 0.14% to 0.9%.
Is Atome loan legit? Is it SEC-Registered?
Atome is safe to use and has been a leading company that offers Buy Now, Pay Later features in Asia since December 2019. They also follow the streamline of trends to empower the generation of today, particularly the digital savvy.
And yes, Atome PH is regulated under the Securities and Exchange Commission with a registration number of CS201816338 C.A. No. 1178. Up until now, Atome is accepting new consumers who are longing for fast transaction purchases.
Is Atome Philippines closed?
No, Atome is currently an active company that operates online. So feel free to register and apply for your loan.
How long does it take to claim the loan money?
Once you are verified and your application (including the requirements) was accepted by Atome, you will receive the money right away.
Atome benefits
Atome lets its users reap the benefits of its three brand pillars. These are; enabling one’s passion and aspiration as to what product they have to buy or desire. Second, is the affordability and availability of quality financial services Atome has to offer. And lastly, the customizable features in their mobile app for smarter online shopping.
How to apply for Atome credit?
The application for a cash loan in Atome is very easy. You can do it online just by downloading their mobile app on your device. Just keep in mind that you should first know the right amount and disbursement option before registering. To proceed, follow the succeeding steps below.
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Log in to your Atome account by entering your mobile phone number and password. A one-time password will also be sent on the mobile number you provided to make sure that it’s really you.
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Provide all the necessary details and requirements including a valid ID and bank account type. A selfie with your ID is also a must.
Requirements
Remember, to qualify for Atome credit, one must be;
- At least 20 years of age;
- Currently reside in the Philippines;
- Have a mobile phone number registered with your telco; and
- Using a Philippines credit or debit card to make the purchase.
Atome will verify your application. Once they’re done, the money you borrowed will be transferred to the credit or debit card you provided.
Tip: There’s no additional charge if you wish to apply or use the services of Atome.
How to pay Atome installment?
Atome allows users a wide range of options to pay back the money they owe. Options include bank transfers, Cebuana Lhuillier, GCash, Paymaya, 7/11, LBC, Robinsons market, ECPay, and SM Malls.
What happens if I can't complete Atome payment?
If you are unable to repay the loan on the actual due date, an administration fee of 300 pesos will be charged to you. Atome will also freeze your account until all the remaining balance is paid.
Atome merchant list
Atome lets users shop in a lot of their partnered merchants. In fact, the most popular shop you can find in Atome is Zalora. Aside from the latter, you can also shop at:
- Sunstreet.
- Leather.PH.
- Davines.
- Timex.
- Apple&Eve.
- And many more!
Atome App
The mobile application and website of Atome are very user-friendly. You can log in in just two simple steps. And that’s by entering the mobile phone number you provided upon registration and your password. Once done, hit Enter and you’re ready to go!
Atome contact number
Unfortunately, Atome doesn’t have any phone numbers. But if you wish to raise a concern in Atome, you may reach them through their email address: support@atome.sg . They will respond to your email within 24 hours.
If you have any questions and wish to talk to an employee personally, their office is located at Unit 1605 Centerpoint Building, Julia Vargas Ave., cor Garner Rd., Ortigas Center, Brgy. San Antonio, Pasig City.
Atome complaints
People are saying that Atome is a scam and their payment page is an utter disappointment. Some people say that Atome forbids them from getting a cash loan by saying the “RISKS” are high and it’s not something you can revert – which causes a lot of discomfort and waste of time to everybody.
Atome reviews
In spite of the bad reviews from some people, a lot of people are saying that Atome helps them with their shopping needs – especially if it’s urgent. The app is also easy to use and is pleasant to those who are not that digital savvy.
Have you used the Atome loan app? Share your experience here.