Atome has become a household name in Southeast Asia as a leading digital consumer financing platform. Whether you’re looking for flexible installment plans or quick cash loans, Atome has it all. Enjoy the convenience of splitting your bills into 3 or 6-month installments with 0% interest on your monthly purchases through the Atome Card.
But that’s not all—Atome Cash offers quick cash loans with low interest rates, making it easier for you to manage your finances. Here’s everything you need to know about Atome’s exciting credit and loan services.
Why Choose Atome?
Atome offers two main services that cater to your financial needs: the Atome Card and Atome Cash. Both services provide a seamless experience, whether you’re shopping online, paying bills, or seeking a quick cash loan.
Atome Card: Convenience and Flexibility
The Atome Card is a powerful tool that gives you control over your budgeting with flexible payment options. Here’s why you’ll love it:
1. Flexible Payment Plans
With the Atome Card, you can stretch your budget by splitting your purchases into 3 or 6-month installments with 0% interest. Whether it’s shopping for necessities or indulging in a little luxury, Atome makes it easy to manage your monthly expenses.
2. Simple and Fast Application Process
Applying for the Atome Card is easy. No paperwork is needed, and the entire process can be done through the Atome app in just a few minutes. You can get approved quickly and start using your card for purchases without the hassle of traditional credit card applications.
3. High Spending Limit
Atome Card users enjoy up to ₱200,000 in spending limits, giving you more freedom to make bigger purchases and spread out your payments over time. In my case, I enjoy receiving monthly but gradual increase of my spending limit. Here’s a screenshot of the increases:
4. Widely Accepted Mastercard
The Atome Card is accepted wherever Mastercard is used, whether you’re shopping online, in-store, or even overseas. You can link your physical or virtual Atome Card to popular e-commerce platforms like Lazada, Shopee, Grab, FoodPanda, and TikTok Shop for a hassle-free checkout experience.
5. Convenient Bill Payments
Say goodbye to missed payments! Use your Atome Card to pay bills for utilities like Meralco, Maynilad, Globe, and Smart, as well as platforms like BillEase, Home Credit, and TendoPay.
6. Multiple Payment Options
Pay your card bills using your preferred method, whether it’s via credit/debit card, InstaPay, e-wallets like Maya and GCash, or even over-the-counter payments.
Atome Cash: Fast Cash Loans Made Easy
Based on my experience using the app for 2 years now, this feature has not yet been released, so I cannot make an independent assessment.
How to Apply for the Atome Card
Applying for the Atome Card is quick and hassle-free. Here’s how:
- Simply click this link and enter your mobile number.
- Follow instructions until you finish the application.
Installment Plans and Interest Rates
The Atome Card offers flexible installment plans that come with competitive interest rates:
- Monthly Interest Rate: As low as 2%
- Annual Percentage Rate (APR): 0% to 46%
- No Service Charges
For example, if you purchase an item worth ₱2,000, with a 2% monthly interest rate over 3 months, your total payment will be ₱2,120—just ₱706.67 per month.
Atome Cash Loan Terms and Costs
Atome Cash loans come with equally attractive terms:
- Monthly Interest Rate: As low as 1.75%
- Annual Percentage Rate (APR): Capped at 36%
- No Service Charges
For instance, borrowing ₱3,000 with a 1.75% interest rate over 6 months would result in a total repayment of ₱3,052.50—just ₱508.75 per month.
Download the Atome App Today
Whether you’re looking for a reliable way to split your purchases or need quick cash, Atome is here to help. Download the Atome app today and take control of your finances with ease.
Atome PH is registered with the Securities and Exchange Commission (SEC) under Registration No. CS201816338 and is regulated by Bangko Sentral ng Pilipinas under OPSCOR-2021-0040.
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