Atome Philippines Philippines
Easy to apply
Approval time
No hidden condition
Renewal rules
Service quality
Customer support
Borrower requirements
  • You must be 18+
  • Reside in the Ph and have a valid ID
  • Provide proof of your income
  • Have an active checking account
  • Bank account
  • Credit or Debit card
Contact information
Phone number: -
Shedule 24/7 online
Interest rate per day
Daily payment

Atome is a revolutionary buy-now-pay-later financing service in the Philippines that helps you make the most out of your money. With Atome, you can save time and money while shopping online and in-store. Enjoy the convenience of buying what you need now and paying for it later, making it easier to manage your budget and keep up with your lifestyle. Say goodbye to the days of waiting in long lines and worrying about paying full price upfront. With Atome, you can confidently purchase the items you need and make payments on your own terms.

Atome Philippines

Atome is a perfect solution for anyone who wants to save money, purchase more items, and pay off their purchases over time. They offer flexible, easy to use payment plans that allow you to control your spending and budget more effectively. With its easy-to-use financing options, you can purchase the items you need now and spread out the payments over a few months, or even a year. And since they don’t charge any interest or fees, you can save even more money!

Atome understand that shopping for the items you need can be stressful and expensive. That’s why they offer you the chance to buy now and pay later with no interest or fees. With Atome loan, you can purchase the items you need without having to worry about spending too much.

Atome is a great way to save money and make the most out of your budget. With flexible financing plans and easy to use payment options, you can purchase the items you need today and pay for them in easy installments. And, you can rest assured that there are no hidden costs or fees.

Loan parameters
  • Loan amount
    500 - 50.000 PHP
  • Interest rate
    1.75% per month
  • Term
    2 - 12 months
  • Age
    18+ years

Buy Now, Pay Later with Atome

Buy Now, Pay Later (BNPL) is a payment option that allows customers to purchase products or services now and pay for them in installments at a later date. It’s a great way to manage your budget while still getting access to the things you need.

Atome, a leading provider of financial services and digital banking solutions, is a great option for those looking to make online purchases without having to pay for them in full right away. With Atome, you can enjoy the convenience of BNPL while taking advantage of their secure and easy-to-use platform.

Atome Philippines

So how exactly does Buy Now, Pay Later work with Atome? It’s actually quite simple. All you have to do is sign up for an Atome account and link your bank account or credit card. Once you’ve done that, you can start shopping for the things you need. When you’re ready to check out, just select ‘Buy Now, Pay Later’ as the payment option.

Atome will then break up the total cost of your purchase into convenient monthly installments. You’ll be charged a fixed amount every month based on your purchase’s total cost. You can pay off the full amount at any time, with no extra charges or interest.

Apart from making it easy for you to make purchases, Atome also offers a lot of advantages when it comes to Buy Now, Pay Later. Here are some of the benefits:

  • Quick and easy application process – You can apply for the BNPL option in just a few minutes.
  • No credit check – Atome doesn’t require any kind of credit check, so you don’t have to worry about your credit score.
  • Flexible payment terms – You can choose from 3, 6, 9, or 12-month payment terms, giving you the freedom to pay for your purchases according to your financial situation.
  • Online banking – You can conveniently manage your BNPL payments through the Atome website.
  • No hidden fees – Atome never charges any hidden fees or additional charges.
  • Atome is the perfect solution if you’re looking for a convenient and secure way to purchase essential items and services without breaking the bank. With Buy Now, Pay Later with Atome, you can enjoy the convenience of BNPL while taking advantage of their secure and easy-to-use platform. So, if you’re looking for an Atome loan Philippines, don’t hesitate to check out Atome’s Buy Now, Pay Later option today.

    • Convenience: Atome offers a user-friendly mobile app that allows borrowers to apply for loans and manage their accounts conveniently from their smartphones.
    • Fast Approval: Atome's application process is typically quick and straightforward, with many borrowers receiving instant loan approval and disbursement.
    • Flexible Loan Amounts: Atome provides borrowers with the flexibility to choose loan amounts that suit their needs and financial capabilities.
    • Transparent Terms: Atome ensures transparency by clearly disclosing the interest rates, repayment terms, and fees associated with their loans, allowing borrowers to make informed decisions.
    • Credit Building Opportunities: Consistently repaying loans on time with Atome can help borrowers establish a positive credit history, which may improve their chances of accessing larger loan amounts and better financial opportunities in the future.
    • Interest Rates and Fees: Like any lending institution, Atome charges interest rates and fees on their loans, which can increase the overall cost of borrowing. Borrowers should carefully review and understand the applicable rates and fees before committing to a loan.
    • Limited Loan Amounts for New Borrowers: Initially, new borrowers may have access to lower loan amounts until they establish a positive repayment history with Atome.
    • Mobile App Dependency: Atome operates primarily through its mobile app, which means borrowers must have a compatible smartphone and stable internet connection to access their loan services.
    • Eligibility Criteria: While Atome aims to provide loans to a wide range of borrowers, some individuals may not meet their specific eligibility requirements, such as credit history or income thresholds.

    Requirements for borrowers Atome in the Philippines

    To qualify as a borrower with Atome in the Philippines, you typically need to meet the following requirements:

    1. Age: You must be at least 18 years old.
    2. Valid Identification: A government-issued ID, such as a passport, driver’s license, or Unified Multi-Purpose ID (UMID).
    3. Mobile Device: You need a smartphone with internet access to download and use the Atome mobile app.
    4. Mobile Number: You should have a working mobile number registered in your name.
    5. Bank Account: You will need a valid bank account in the Philippines for loan disbursement and repayment.
    6. Proof of Income: Atome may require you to provide proof of income, such as payslips or bank statements, to assess your repayment capacity.
    7. Financial History: Atome considers your credit history and financial behavior to assess your creditworthiness.

    It’s important to note that these requirements may vary, and Atome may have additional criteria or documentation needed during the application process.

    Atome Key Merchant Partners

    Atome, a popular financial platform in the Philippines, has partnered with various key merchants across different industries to provide its users with convenient installment payment options. Some of the key merchant partners of Atome include:

  • Lazada: Atome offers installment payment options on Lazada, one of the largest e-commerce platforms in the Philippines. Shoppers can split their payments into manageable installments using Atome at the checkout.
  • Zalora: Atome has partnered with Zalora, an online fashion and lifestyle retailer, allowing customers to enjoy flexible payment options for their purchases.
  • Shopee: Atome is integrated with Shopee, a leading e-commerce platform, providing users with the flexibility to pay for their purchases in installments.
  • Watsons: Atome’s partnership with Watsons, a popular health and beauty retail chain, allows customers to enjoy convenient installment payment options for their purchases.
  • Toby’s Sports: Atome has collaborated with Toby’s Sports, a well-known sporting goods retailer, enabling customers to make installment payments for their sports equipment and gear.
  • Bench: Atome’s partnership with Bench, a renowned clothing and lifestyle brand, offers customers the convenience of paying in installments for their fashion purchases.
  • These are just a few examples of the key merchant partners of Atome in the Philippines. By partnering with a wide range of merchants, Atome aims to provide its users with flexible and convenient payment options, making shopping more affordable and accessible.

    How to Set Up an Atome Account

    Setting up an Atome account is a simple and straightforward process. Here’s a step-by-step guide to help you get started:

    1. Download the Atome App: Visit the App Store or Google Play Store on your mobile device and search for the Atome app. Download and install it on your device.
    2. Sign Up: Open the Atome app and click on the “Sign Up” or “Register” button to create a new account. You will be asked to provide your email address or phone number to proceed.
    3. Verify Your Account: After entering your email address or phone number, Atome will send you a verification code. Enter the code in the app to verify your account.
    4. Complete Your Profile: Once your account is verified, you’ll be prompted to complete your profile. Provide the required information, such as your full name, date of birth, and address.
    5. Link Your Payment Method: To make purchases and payments through Atome, you’ll need to link a payment method to your account. You can add a credit or debit card or choose from available payment options.
    6. Start Shopping: With your Atome account set up and your payment method linked, you’re ready to start shopping. Explore the partner merchants within the Atome app and choose the items you want to purchase.
    7. Select Atome at Checkout: When you’re ready to make a purchase, select Atome as your payment option at the checkout page of a participating merchant. You’ll be presented with installment options and can choose the one that suits you best.
    8. Confirm Payment Schedule: After selecting your preferred installment plan, review the payment schedule and terms. Once you agree, confirm the purchase, and the payment will be split into installments.

    By following these steps, you can easily set up an Atome account and start enjoying the flexibility of installment payments for your purchases. Remember to review the terms and conditions of Atome and its partner merchants before making any transactions.


    Atome loan Philippines is that it is a great way to buy now and pay later. Atome has simplified the loan process, making it easy and convenient for anyone in the Philippines to get the money they need quickly. With Atome, you can access up to P30,000 in loan funds, to be paid back over a period of up to six months. Their low-interest rates and flexible payment terms make Atome an attractive option for anyone looking to borrow money.

    Atome has also made the process of applying for a loan easier than ever. Applicants can fill out a simple online form and have their loan funds deposited directly into their bank account within 24 hours. This is a great way to manage expenses and make sure bills are paid on time.

    Atome Philippines reviews

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    Teresita Flores
    The loan process is simple and hassle-free. Nice service. The next day I received the amount I needed. I will recommend the service to my friends
    Evert Jones
    I am a regular customer, I always pay my loan on time. Favorable conditions, easy repayment process
    Marilyn Garcia
    Convenient and understandable service for obtaining online loans. Very helpful in difficult times.
    Elizabeth Ramos
    I often take a loan when there is not enough salary. Promotional codes are often sent to SMS and email to get a discount. This pleases me very much
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