Atome PH - Card, Loans & Save

Name: Atome PH - Card, Loans & Save
Rating: 4.87 (672903 reviews)
Author: NEURONCREDIT FINANCING COMPANY INC.

By: NEURONCREDIT FINANCING COMPANY INC.

Pay later with 0% installments, cash loans up to ₱55K & earn 3.25% daily savings

Features & Capabilities

Atome PH brings a one-stop BNPL and financial services platform. The Atome Card lets you pay later with installments (0% interest on monthly purchases for up to 6 months) and use Mastercard online or in stores. You can also access Atome Cash for quick cash loans (from 1.75% monthly interest) and Atome Savings offering 3.25% p.a. daily interest with no minimum balance. In addition to shopping and financing, Atome supports bill payments for utilities, making it a convenient all-in-one financial hub.

Eligibility is straightforward: valid PH ID, 18+ years old, no minimum income, and no paperwork required for the Atome Card. The platform emphasizes easy application, fast approval, and broad merchant acceptance (including Lazada, Shopee, Grab, and more) along with PDIC-insured savings deposits.

User Growth & Download Statistics

App Payments Shopping E-Commerce

By:

NEURONCREDIT FINANCING COMPANY INC.

Downloads:

8,259,398 115.61K

Rating:

4.87

(672,903) 0.04

Version:

0 Last updated: 2026-07-04

Publisher country:

Email:

de*****@apaylater.com

URLs:

Website ,Privacy policy

Full description:

Source:

Google Play Store

Data ingested on:

2026-07-04

Compare stats and ranking:

Ranking

# 16,111 ▲ 151

Other rankings

#32 in

Top app in Philippines ▼ 1

Other platforms

Atome PH - Buy Now Pay Later (v2.167.0)

4.80

(298,012)

For Developers

Monetize with App Pass Boost with Extension Booster

Contact the developer

Chrome-Stats does not own this Android app. Please use these information below to contact the Android app developer.

Developed by:

NEURONCREDIT FINANCING COMPANY INC.

Google Play Store

https://play.google.com/store/apps/details?id=ph.atome.paylater

Email:

de*****@apaylater.com

Website:

http://www.atome.ph

User Reviews

Pros

User-friendly interface and easy application process
Convenient for online and offline payments
Offers flexible repayment options and installment plans
Immediate increase in spending limits for regular users
Generally quick response to user concerns regarding billing issues

Cons

Poor customer service and lack of response to emails
Issues with OTP generation and account access
High-interest rates and unexpected billing increases
Problems with payment reflection and billing accuracy
Threatening behavior from collections even for minor payment delays

Recent reviews

Do not use this app! 😡 It suddenly increased my subscription without my consent. Even though my previous subscription attempts failed multiple times, the app still processed it two days later and immediately charged me through Atome. I already emailed their support about this issue, but they have not addressed it yet. Atome should not increase spending limits without user consent!

Ly*****, 2025-02-02

I always wanted to find a Buy Now Pay Later Card that fits my needs and style. Atome has it all. The virtual card and the actual card itself were very useful for the youth. Approval is very easy. Atome just want honest individuals who will speak the actual financial capability of a person. I wish they will grant me a much higher spending limit so that I could maximized all my needs and desires. Like online shopping and eating outside or by simply sharing with others. I love Atome.