Atome PH - Buy Now Pay Later

Atome PH combines Buy Now, Pay Later with cash loans and savings to deliver a complete financial solution in the Philippines. Shop with the Atome Card on partners like Lazada, Shopee, and Grab, with flexible installment options up to 6 months and 0% interest on many monthly purchases. Add Atome Cash for fast, low-interest loans and Atome Savings offering 3.25% APY daily, with deposit protection up to ₱1M via PDIC.

Getting started is simple: download the Atome app, apply for the Atome Card in minutes with no paperwork, and manage card payments, bills, savings, and loans in one place. Eligibility includes a valid PH ID, 18+ years, no minimum income, and no lengthy paperwork.