AtomePH: 0% Interest Best Shop Now Pay Later Loan App Philippines

Atome PH Loan Online 0% Interest (Installment) Best Shop Now Pay Later Loan App. No service fee. Legit loan app Philippines.

Loan Name Atome Philippines
Loan Amount up to PHP 10,000
Loan Term up to 90 days
SEC Registration Number  CS201816338

You can get loan in the Philippines with Atome in 1 – 24 hours. Very quick and convenient service. Atome has simplified the steps for fast loan application. With only one valid ID, you can expect your cash within 24-48 hours after approval!


What is Atome PH?

Atome is a brand of Neuroncredit Financing Company, Inc., a Financial Technology company working to advance financial inclusion for each and every Filipino by providing online cash loans. Neuroncredit Financing Company, Inc is a subsidiary of Neuroncredit Pte Ltd (Singapore), which uses technology from Advance. AI for faster and better online loan processing.

Atome PH is a leading fintech company providing “buy now, pay later” and digital finance services. Mission: Create a better life for consumers through greater financial access and technology.

3 Easy Steps to Apply Loan Atome Credit Philippines

To get the loan in Atome Credit PH you need:

  • Step 1: Go to the official website: and apply for the loan there or with one Android mobile application. You can feel up the application in several minutes.
  • Step 2: Expect the approval: borrowers will get a notification in SMS and Email. It takes near 30 minutes.
  • Step 3: Get your money: after approval money will get to your bank account for 1 day (24 hours).

Pros & Cons Atome PH


  • Flexible loan service
  • Fast loans online, you need to apply nit more than 5 – 10 minutes
  • A lot of positive feedbacks about Atome in the Google Play


  • Service fees are present from 0,8% – 0,14%
  • Enough high loan interest rate: APR 60,4%

Atome Credit Loan PH Requirements

All the requirements for online lenders are pretty regular. The company lists them at the official site, in the Atome Credit customer service section – Help Center. Key points are as follows (applicable for all borrowers):

  • A person aged 18 to 55.
  • A resident of the Philippines.
  • Has an official ID (e.g. passport, a driver’s license, UMID, etc.).
  • Has a phone with Android OS and Internet connection.
  • Has the official Atome app.

Example of loan repayment computation

  • ₱6000 for 3 months (interest 0.9% daily / APR 328.5% per year)
  • ₱6000 / 3 = ₱2000 + ₱538 interest monthly.
  • Total monthly ₱2538.
  • Repayment period 61 days to 90 days. Loan payable in 90 days.

Tips in Apply Loan with Atome PH

  • Link your Facebook account. This will help Atome representatives verify your identity.
  • Borrow what you can pay, regardless of the amount.
  • Make sure you have at least one valid, government-issued ID. This is necessary because, again, it helps verify your identity and that you are a real person.

FAQ About Atome PH Loan

Is Atome PH Legit?

Yes, Atome PH is a  legit, safe and secure shopping experience. The lender is registered at the SEC of the Philippines as NeuronCredit. You can check the registration number: CS201816338.

Is Atome available in Philippines?

Atome, Asia’s leading Buy Now Pay Later (BNPL) brand, announced its entry into the Philippines, partnering with over 50 online and offline retailers across key shopping categories such as fashion, beauty, lifestyle and home and living.

How do I apply for a loan at Atome PH?

Apply for the loan at website: or with one Android mobile application. Atome Credit site has an online application for it. Upon registration, select the desired option of borrowing, and provide all the needed info. Expect the approval: borrowers will get a notification in SMS and Email. It takes near 30 minutes.

How much money can I borrow from Atome PH?

Atome Credit allows you to borrow money from PHP 1000 to PHP 12,000. Besides, each day you only have to pay a reasonable interest which is from 0.14% to 0.9%. You can pay up the loan after 7 days if you somehow manage to earn enough money in the short time. In addition, you can extend the loan up to 3 months.

Is Atome PH only 3 months?

Atome PH is a “buy now, pay later” mobile app that splits your bill into three equal payments over three months. The mobile app is free to download and free to use for consumers: Atome charges zero interest and zero service fees.

Is Paying With Atome PH Really Interest Free?

Paying with Atome PH is interest-free, unless late payment, they will charge you an one-time PHP 300 administration fee.

How to Pay My Loan?

The company accepts several methods. Generally, there are online options (through bank transfers) and offline ones (in various affiliate centers and kiosks).

  • Online payments are possible with BDO, BPI, Security Bank, RCBC, PNB, UCPB, UNIONBANK, ChinaBank.
  • Over the counter payment with Bayad Center, LBC, Cebuana Lhuillier, SM, Eleven 7.

Can I pay earlier?

Yes you may! You may make payment of any amount, anytime.

Contacts Atome PH

Neuroncredit Financing Company Inc.

SEC Registration Number CS201816338. Certificate of Authority to Operate a Financing/Lending Company (CA) Number 1178

  • Website:
  • E-mail: [email protected]
  • Instagram: @atomeph
  • Address: Unit 1605 Centerpoint Building, Julia Vargas Ave., cor Garner Rd., Ortigas Center, Brgy. San Antonio, Pasig City


5/5 - (17 votes)

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