Atome

Atome

Neuroncredit Financing Company Inc.
Everything you need to know

Atome (atome.ph) is a Philippine finance app operated by Neuroncredit Financing Company Inc., a financing company regulated by the SEC (SEC Registration No. CS201816338, Certificate of Authority No. 1178) and part of Advance Intelligence Group. Its Atome Card is a Mastercard with spending limits of up to ₱200,000, 0% interest for up to 40 days or 3- to 6-month installments, and no annual fee. The app also offers Atome Cash loans of up to ₱55,000 (invite-only) and Atome Savings at 3.25% p.a. The FAQs below cover how to verify Atome, the card's limit and fees, how the 0% interest works, what happens if you pay late, who can apply, and how to contact support.

Reviews & trust
EXTERNAL SOURCE · APP STORES
App Store
4.8
Google Play
4.8
What users say
Average rating: 4.5
· 56 Total reviews

Tagal mag approve,mamatayan pa Tayo Bago magbigay

Easy to applyLong time to decisionLow loan amount
Ramonito

Ilan apply na ako, palaging rejected.

Trustworthy companyPoor customer service
....

I hope this loan will approve

Trustworthy company
Joshua

yung 4.5k na loan, naging 7k.. nadelay lang ng 1 araw mang haharrass calls nonstop buong araw

High interest rate
P

Nag bayad kami ng 15 ang due date is 12 3days lang kami delay kase nagamit sa emergency nung nag bayad na kami Naka freeze ang account ko

Trustworthy companyHigh interest rate
Mayumi

AMAZING 😍😍😍😍😍😍😍😍😍😍😍😍😍😍😍😍😍😍😍😍😍😍😍😍😍😍😍😍

Quick time to decisionLow loan amount
Juniel

Application not approved. How can I proceed

Easy application formLong time to decision
Kim

Very nice gamitin sulit na sulit

Easy application formQuick time to decisionGreat website design
Monique

Magandaaa talaga maliit lang interes

Easy application formQuick time to decisionGood customer serviceComplex application form
MARIALYN

Good performance and nice staff

Dane

verry sutesfied loan for emwrgncy fenancial for Home and family

Fast serviceEasy to repayEasy to applyComplex application form
JeraldOcampo

Atome is good It helps me . I'm happy to have my atome.

Fast serviceEasy to repayLow loan amount
Mitchellini

slow apply review and always not eligible

Quick time to decisionLong time to decision
Neil

So good sana ma open na lahat heheh

Great website designTrustworthy company
Reymark

Atome is legit up and fast approval

Easy application form
Lovely

Good Excellent Good for daily needs

Easy application formQuick time to decisionGood customer serviceLow loan amountHigh interest rate
Adelino

Goods loan and I want loan again

Quick time to decision
John

Easy to apply ang highly recommend

Easy application formGood customer serviceQuick time to decisionLong time to decisionSlow loan payoutPoor customer service
Roy

Apply loan for billing payment

Quick time to decision
Adrian

Tagal mag-a-apply walarin haha

Verlene

excellent app would recommend

Easy application formQuick time to decisionGood customer service
jose

My mom try this atome and she really excite using it

Easy application formHigh interest rate
Ur_maria

Past approval and high quality

Complex application form
Shiela

Struggling first! But when you know what you gonna do! It's easy

Easy application formLow loan amountProblems with repaymentComplex application form
Axel

Good service and easily approve

Great website designEasy application formTrustworthy companyHigh interest rate
John

I haven't try this company loan

Quick time to decisionLow loan amount
Mary

im happy to my company because easy work and goods mya workmate

Good customer serviceEasy application formEasy to applyComplex application form
mary

I already paying on time but my loan lomit is still 1000

Easy application formQuick time to decisionLow loan amount
Rafael

It's good but when submit our application was no option to click

Easy application formQuick time to decisionGreat website designComplex application formLow loan amount
Romnick

Easy apply very easy approved

Quick time to decisionGreat website designEasy to applyComplex application formPoor website designLow loan amount
Marlontaduan

Of this company is concerned to there client and honest.

Easy application formComplex application form
Maja

None experience because first time

Easy application formFast serviceEasy to applyPoor customer service
Rubelyn

They are good in service to the loaner fast approval i do hope next loan they give me a big offer thank atome

Fast serviceEasy application formEasy to applyLow loan amount
Zenaida

Their good to me they give me chance to loan or reloan again and again thank you atome

Low loan amountProblems with repaymentSlow loan payout
Zenaida

I cannot approved to atome I will rejected every I submit an application

Low loan amountHidden feesLong time to decision
Elizabeth

Very good, satisfied clients, are very excellent.

Long time to decisionHigh interest rateLow loan amount
Erlyn

Excellent , client's are very satisfied

Erlyn

Kasi subok kona mabilis lang mag approve

Great website designHigh loan amountEasy to apply
Juhary

I able to use it for grocery thank you

Easy application formQuick time to decisionGood customer service
darryl

I'm inspected that my loan is approved

Low loan amountLong time to decisionSlow loan payout
Camaloden

First time ko po sumali dito gusto ko lang mag try kung sakali kapalaran maka pasok dito sa company i hopefully u cam allow me to part there.

Easy application formLow loan amount
Mildred

Fast loan if you loan today minutes you know if you're apporve or not

Quick time to decisionLow loan amount
Shayne

In work mdc construction us a stellman

Quick time to decisionLong time to decision
Ryandhel

Good company and Fast loan approval

Trustworthy companyGreat website designFast serviceSlow loan payoutLong time to decisionComplex application form
Ireneo

It's lmbeen long time I've been using this app it's good and help people in need.

High loan amountHidden fees
Patricia

This app really helps me apply for a loan application, and i would loved to suggest it to others.

Easy application formGood customer serviceQuick time to decisionComplex application formLow loan amountProblems with repayment
krestal

I'm not experience to company but I try to see to good company now

rizalina

maganda tlga atome Lalo na pgkailgn

Easy application formQuick time to decisionTrustworthy companyProblems with repaymentComplex application formBad reputation
mantalabaodessamae@gmail.com

Hindi pa mo Ako na approve sa atome

Quick time to decisionLong time to decision
Dino

I hope my loan will be approved because it is for emergency medicine purchases.

Easy application formEasy to applyHigh loan amountLow loan amountPoor customer serviceComplex application form
Diane
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Frequently Asked Questions
Is Atome legit, and how can borrowers verify it?Number of answers: 4

Accepted answer

Requirement: At least 18 years old with a valid government-issued ID; no minimum income for the Atome Card.

Benefit: Atome Card spending limit of up to ₱200,000 with 0% interest for up to 40 days.

Characteristic: Operated by Neuroncredit Financing Company Inc. (SEC Reg. No. CS201816338, C.A. No. 1178).

Differentiator: No annual fee, and the card is a Mastercard accepted online, in-store and overseas.

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