Atome PH - Card, Loans & Save

Name: Atome PH - Card, Loans & Save
Rating: 4.88 (796755 reviews)
Author: NEURONCREDIT FINANCING COMPANY INC.

By: NEURONCREDIT FINANCING COMPANY INC. App

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

Overview

Google Play Store

Downloads

9,588,436 ▲ 123.70K

Data as of 2026-09-11

Rating:

4.88 +12,408

(796,755)

Version:

—

Last updated: 2026-09-10

Ranking

#14,583 ▲ 167

Overall

Features & Capabilities

Atome PH - Card, Loans & Save is a financial app for Philippine users offering Buy Now, Pay Later shopping, flexible installments, cash loans, savings, and bill payments. Apply for an Atome Card with no paperwork, use a virtual or physical Mastercard online and in stores, scan to pay with QR Ph, and access installment plans of up to six months. The card may offer up to a ₱200,000 spending limit and supports payments at participating merchants and popular online platforms.

Eligible users can also access Atome Cash loans of up to ₱55,000 with repayment terms of up to 12 months, plus Atome Savings with up to 3.25% p.a. interest credited daily, no minimum balance, and no lock-in period. Pay utility, telecom, broadband, mobile, and other bills in one place using supported banks, cards, and e-wallets. Rates, approval, eligibility, and savings returns may vary according to applicable terms and policies.

User Growth & Download Statistics

App Payments Shopping E-Commerce Investing

By:

NEURONCREDIT FINANCING COMPANY INC.

Downloads:

9,588,436 123.70K

Rating:

4.88

(796,755) 12,408 new ratings

Version:

0 Last updated: 2026-09-10

Creation date:

2026-07-30

Publisher country:

Email:

de*****@apaylater.com

URLs:

Website ,Privacy policy

Full description:

Source:

Google Play Store

Data ingested on:

2026-09-11

Compare stats and ranking:

Ranking

# 14,583 ▲ 167

Other rankings

#113 in

Top app in Philippines ▼ 74

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.