# Atome PH - Card, Loans & Save

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

Canonical page: [https://chrome-stats.com/d/ph.atome.paylater](https://chrome-stats.com/d/ph.atome.paylater)

## Overview

- **ID:** `ph.atome.paylater`
- **Platform:** Android
- **Type:** Android app
- **Status:** Available
- **Publisher:** NEURONCREDIT FINANCING COMPANY INC.
- **Category:** SHOPPING
- **Downloads:** 9,588,436
- **Rating:** 4.88 / 5 (796,755 ratings)
- **Last updated:** 2026-09-10
- **First published:** 2026-07-30
- **Publisher country:** PH
- **Data as of:** 2026-09-11
- **Store listing:** [Google Play Store](https://play.google.com/store/apps/details?id=ph.atome.paylater)
- **Website:** [http://www.atome.ph](http://www.atome.ph/)
- **Privacy policy:** [https://www.atome.ph/en-ph/privacy-policy](https://www.atome.ph/en-ph/privacy-policy)

## Description

**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.

## Rankings

- #14,583 — Overall
- #113 — Top app in Philippines

## Review summary

### 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

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Source: [Chrome-Stats](https://chrome-stats.com/d/ph.atome.paylater)