Tired of going to banks for a loan? Try Atome Credit!


In times like the pandemic, a lot of people are relying on getting a part-time job for additional income, borrowing money, and personal loans. Part-time jobs can be through online selling, while borrowed money can be from your friends or relatives, and loans can be applied to either banks or local financial institutions. If you are looking for a lender that is reliable with fast and easy loan approval, read this article.

What is Atome Credit?

Photo source: Atome Philippines Facebook

Atome Philippines was launched and started business in the Philippines in late 2018. The main goal is to provide simple and accessible financial assistance to every Filipino and one of the unique offerings is that a bank account isn’t needed in applying for a loan. In borrowing money from Atome, the applicant should be able to provide the required requirements, download the mobile app, and follow all the loan instructions.

Atome provides two different loan products: the traditional cash loan and the Pay-later product, which can be paid in the form of installments.

Atome Credit Loan Products

Traditional Cash Loan

Traditional Cash Loan is where a borrower can set their preferred loan amount and can decide whether the loan amount can be released through bank or remittance centers.

Pay-Later Package Loan

This type of loan is designed specifically for online or web purchases. It means that the borrower can only use the loan amount if he/she will buy from e-commerce or website stores.

How Atome Credit Work

It’s a lending company that operates online and has no physical store available in the Philippines. Interested loan applicants should download the Atome Credit App through the Google Play store (specifically for Android Phone users) to guarantee a legit, fast loan application and approval.

Interests and Calculations of Atome Loan

Loan interest rates vary borrower’s starting conditions and history of payments. The company suggests interest rates varying from 0.14% to 0.9% per day. In case you wanted to know how much you can borrow and how much interest it will incur, just check the Atome Credit app for it has a convenient tool designed exactly for calculations.

How to Apply for Atome Loan

Since Atome Credit is an online lender, customer should download the app through Google Play, register your personal data, provide all documents or information needed, and choose the desired amount and tenure.

Eligibility for Atome Loan

If you are interested in an Atome Loan, the borrower must be:

  • Philippine resident
  • Ages from 18 to 55 only
  • With 1-2 available Government Issued Valid IDs

Concerns in Applying for Atome Credit Loan

If you are self-employed, unemployed, or a house-wife, you can still apply with Atome Credit App. However, necessary or additional documents may be requested to prove your capability in repaying the loan.

How and Where to Repay my Atome Loan?

Atome Credit accepts several payment methods. These can be either through online (bank transfer, e-wallet transfer) or offline payment. The loan can be paid through Bayad Center, LBC, SM Bills Payment, ECPay, Gcash, or any online bank.

Final Thoughts

Borrowing money from an online lender is safe and easy just like lending from other financial institutions with physical stores. Leaving your home is not an option, desired amount and its interest can be calculated through the app! That’s the unique and main factor why getting Atome Loan is recommended. How easy and convenient right? However, the right goal and reason are the most important thing to consider before applying for a loan.

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