UPDATE 1/15/2021: This online lending is closed and not operating anymore.
Company name: Neuroncredit Financing Company Inc.
Website: www.atome.ph
Registration no.: No. CS201816338
Contact info.: E-mail: cs@atome.ph
Facebook: @AtomePhilippines
Instagram: @atomeph
Address: Unit 1605 Centerpoint Building, Julia Vargas Ave., cor Garner Rd., Ortigas Center, Brgy. San Antonio, Pasig City
Pros
Fast and reliable app, marami na ang nakapag loan sa app na ito and even re-loan for the 2nd and 3rd time.
Cons
However, after the pandemic, a lot complained about reloaning. Kahit na you have good credit standing or isa kang good payer but others can't get the approval of the application for a reloan.
Summary
Atome is an online cash loan app in the Philippines that has worked to provide accessible, dependable, and friendly peso loan online for millions of users. They have a maximum annual percentage rate of 60.4% and a service fee of 0.8% to 0.14%.
First-time user will be granted a loan amount between ₱1,000 to ₱ 4,000 at sa susunod pwede nang tumaas up to ₱15,000 ang pwede mong hiramin ngunit depende yan sa iyong credit standing. If frequent na ang iyong application for loan and you have the ability to pay on time or advance ay maaari ka nang ma grant to loan bigger amount. Their loan term is 91-120 days.
For example,
Loan Amount: ₱10,000
Service Fee: 15% (₱1,500.00)
Loan term: 3 months (91 days)
Monthly payment: ₱3,833.33
Total payment: ₱11,500.00
To be qualified for the loan you need to be between 18-55 yrs old, you need 1 valid government ID and you need to provide contact details.
To get your loan the app will tell you the details after getting the approval and to pay you can visit any 7-Eleven or Bayad Center branch, at sa iba pang online and offline options (download the app for a complete list). Paying early or on-time will guarantee you lower interest rates and higher loan limits and longer loan terms at your next loan. Iminumungkahi din na you settle your balances on or before the due date to avoid any late fees.
First-time user will be granted a loan amount between ₱1,000 to ₱ 4,000 at sa susunod pwede nang tumaas up to ₱15,000 ang pwede mong hiramin ngunit depende yan sa iyong credit standing. If frequent na ang iyong application for loan and you have the ability to pay on time or advance ay maaari ka nang ma grant to loan bigger amount. Their loan term is 91-120 days.
For example,
Loan Amount: ₱10,000
Service Fee: 15% (₱1,500.00)
Loan term: 3 months (91 days)
Monthly payment: ₱3,833.33
Total payment: ₱11,500.00
To be qualified for the loan you need to be between 18-55 yrs old, you need 1 valid government ID and you need to provide contact details.
To get your loan the app will tell you the details after getting the approval and to pay you can visit any 7-Eleven or Bayad Center branch, at sa iba pang online and offline options (download the app for a complete list). Paying early or on-time will guarantee you lower interest rates and higher loan limits and longer loan terms at your next loan. Iminumungkahi din na you settle your balances on or before the due date to avoid any late fees.
Loan Approval and Disbursement
Ease of Use
Customer Service
Requirements
Loan Repayments
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Mayzelle Taze
Content Manager at Pinoy Moneys
Mayzelle Taze is the content manager at Pinoy Moneys. She specializes in writing posts for the loans category to keep our fellow Pinoy updated on loan opportunities.
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