Some Filipinos, who for some reason cannot rely on their own money when financial problems arise, prefer to lend money from a bank. Some go to the pawnshop. Someone ask friends for help. But more and more people have recently taken loans with the help of Atome. Why?

Getting a credit on a card through Atome is quite simple:

  • Download the app.
  • Register in a few clicks.
  • Now you can instantly get money into your account.

All you need is your state ID, photo with your ID, your smartphone and phone number, personal bank card.

Who can get a loan at Atome?

Here you can get money from anywhere in the Philippines. All that is required is a smartphone with an installed application available on Android and iOS, Internet access, a bank card, several minutes of free time. In terms of reliability and efficiency it is difficult to find something similar to Atome, the rating of the applications in Play Market is 4.7.

Interest rate

Maximum amount
4000$ / 10000$
91-121 days
Minimum age
Maximum age

The interest rate at Atome varies from 0.14% to 0.8% per day. This is a relatively low indicator when compared with most competitors of the company. The online calculator available in the application allows you to calculate the total amount for repayment, depending on the term and amount of the loan. There will be no hidden fees or payments. The company guarantees this.

Atome offers both extension and early repayment of a loan. In this microfinance organization, they understand that situations are different, therefore they can extend the payment at almost any stage. For its registration you need to pay only the accrued interest without paying the loan.

With regard to early repayment, in this case the loan itself and actually accrued interest are paid for the days when the loan funds were in use. So, taking the funds for 14 days and deciding to return them after 8, you will only need to pay the interest calculated for 8 days.

How to get started with the Atome app?

Mobile applications of credit companies are as similar as possible to applications of most online banking. To log in to your personal credit service, just enter your username and password. If this is the first online loan request, you need to start with the registration. This can be done directly in the application.

As soon as you download the app to your mobile device, to continue working you will need to specify the name and surname, mobile phone number and email address, as well as come up with a password. Then you need to open the incoming email messages. You should receive an email with a link to confirm the registration.

As soon as the registration is completed, you can proceed directly to the loan.

How to get a loan at Atome?

To apply for a loan, select the termin and the amount that you need, as well as add some information about yourself. You will need to indicate: date of birth, address of residence, marital status, salary, additional income (if any), place of work, etc. An important point is that only reliable data must be indicated, because the company has access to many databases and can verify the veracity of the specified information. If a fraud is discovered, the loan will be refused.

If you do not have official employment and income, this must be honestly stated. Moreover, low creditworthiness, or its complete absence does not necessarily mean a refusal. Atome, like other non-bank lending companies, provides loans without income certificates or official employment, and also provides loans to the unemployed, students and retirees.

The next stage of drawing up a loan agreement is identical to drawing it up on the lender’s website: attach a bank card and verify it, sign the document using a one-time code, which you will receive in an SMS message. As soon as all actions are completed, the money will instantly go to your bank card.


Legal name
Neuroncredit Financing Company, Inc.,
Legal address
Unit 1605 Centerpoint Building, Julia Vargas Ave., cor Garner Rd., Ortigas Center, Brgy. San Antonio, Pasig City


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