Atome Philippines Buy Now, Pay Later

This review is about Atome Philippines loan service that provides installment loans online, so Filipinos could do shopping in a smarter way. If you need to buy something asap and don´t have enough money for it, Atome can help you with it spliting your purchase into several interest-free installments.

What Is Atome

Atome is a buy now, pay later mobile application for Android and iOS users. Service splits your bill into 3 equal payments. The period is 3 months. The application is free, so you can easily download it from the website, Google Play or App Store. Atome has a 0% interest rate and without service fees. You pay 1/3 of the sum, the next payment will be in 30 days, and the 3d in the following month.

Atome Philippines and How It Works

Well, you need several steps in order to start using the Atome service in the Philippines:

1. Go to the website: https://www.atome.ph
2. Click “get the app” for your Android or iOS app, download, install, and open one;
3. Register and add all your personal information;
4. Add your payment card;
5. Verify your identity with the major document and selfie;
6. After it, when you will be doing shopping online, select Atome during your checkout; if it is an offline store, just check the QR code near the cashier;
7. After you need to make a payment and Atome will split your bill into 3 equal payments. The 1st payment you will pay, and the other 2 you can repay during the next 2 months;
8. Don´t forget to check the bills in the Atome app and make the next repayments in time.

Processing Fee Details

Also, you should know that Atome charges processing fee – 3,00% (after voucher discount). Here is the example:

Amount	PHP 3050
Voucher	PHP 50 off
Order amount	PHP 3000
Processing fee (3%) (pay in 3)	PHP 90
Processing fee (3%) (pay in 6)	PHP 90 + PHP 60*6*

*service fee 2,00% from the order amount for each payment, so it is 2,00%*PHP 3000 = PHP 60 and if you repay 6 times, so each time you will pay additionally PHP 60

Store Partners in the Philippines

Atome cooperates with over 2000+ online and offline retailers in the Philippines. Service provides short-term payment plants for 3,6 and 12 months, so you could buy everything you need in time.

What is Atome+

It is reward programs that help you to earn points for which you can buy something or redeem one. Each PHP 400 = 1 point. Points are valid for 12 months, after they expire, all details you can check in the Atompe app. 50% of your total bill can be paid via points. You can use vouchers and points for the same purchase. Just the 1st you activate voucher, further use points to pay up to 50% of the bill. Also, there limits for earning points:

• up to 1000 points per day;
• up to 500 points per transaction.

Don´t forget, that minimum transaction amount is PHP 100, but if you want to use points, not less than PHP 110. If you want to use voucher, not less than PHP 220. As for the referral link, if you will use one, it will give the invited person PHP 200 voucher, and for you 150 points.

Atome Card and What You Can Do With One

No annual fees, hidden charges and other unconvenient moments. It is virtual and physical Atome MasterCard.

Credit limit	up to PHP 200.000
Minimum income	no
Pay later	up to 45 days
Documents	valid PH ID

Besides, you can add up to 5 cards to your Atome account.

How To Get The Atome Apps

Atome Android App Download Now

Atome iOS App Download Now

Atome Contacts

If you have any questions, you can contact the Atome support team at the next contacts:

Company	Neuroncredit Financing Company Inc.
Website	https://www.atome.ph
Emails	support[@]atome.ph | merchant[@]atome.ph
Phones	N/a
Working Hours	24/7
Address	Philippines

Why you can contact the support team:

• If you failed to receive a one-time-passcode;
• If your account was blocked;
• if you want to change your mobile phone number;
• Other issues.

Atome PH Reviews

If you had already the opportunity to use Atome Credit services in the Philippines, please write your feedback lower in the comments, other customers need to know more about it.

Atome Credit Service Before

Before Atome Credit Philippines had the name KreditPintar, one was providing quick and easy loans online in 15 minutes for every Filipino aged 18+. After it was renamed (Atome Philippines and you could apply for the loan online with the website https://atome.ph or download Atome Credit mobile application and get money for your urgent needs. Several years ago they have changed the products and now it is a Buy Now Pay Later service that provides installment loans for one´s customers.

You could apply for a loan in the Philippines up to Php 10.000.

To get a such quick unsecured loan you should follow the next steps:

1. Go to the official website: https://atome.ph or download the Android mobile application.
2. You could feel out the application in 5-10 minutes.
3. Expect the approval: borrowers will get a notification in SMS and Email in 15-30 minutes.
4. To get your money, usually, it took 1 – 24 hours

KreditPintart or Atome Terms For Borrowers Were The Next:

Maximum loan amount	Php 10.000
Min-Max loan period	7-28 days
Receive money within 1 working day	1-24 hours

Requirements were also easy:

• Borrower age: 18-55 years old;
• A person should be employed or with a stable income;
• Documents: personal ID (1 major ID);
• Active bank account, so you could receive money;
• Very important: all information should be filled correctly and photos must be clear.

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

Repayment can be done online, or offline. It is better to pay several days before the due day in order not to delay with one. Of cause, the best of all is to repay the loan earlier, before the end date. It will help to save some money for using loans too.

• To apply for a loan in the Philippines with Atome Credit you need not more than 15 minutes
• The loan approval was really fast, up to 30 minutes, and receiving money possible in 1 day
• All terms are transparent, so no hidden fees – calculate everything before and take your decision
• Atome Credit system is secured and all data keep confidential

Questions About Atome Philippines