• Interest rate (p.a.)

    10.80% - 10.80%

  • Loan Tenure

    0.5 - 0.5 years

  • Approval Duration

    1-2 working days

  • Min. monthly income


Loan calculator
Loan amount
Loan tenure
Monthly salaryRM0
Interest rate (p.a)


Monthly Repayment


Total Interest Payable₱0
Total Amount Payable₱0
What's so great about Atome Credit Cash Loan?
  • As low as 0.9% interest for new borrowers and could go down to 0% - 0.15% for people with higher 'credit scores'
  • Get approved within 1-2 days!
  • Cash loan application at your own convenience! Just download their app to apply.

Product Features

Min. financing amount₱1,000.00
Max.financing amount ₱10,000.00
Min. loan tenure7 days
Max. loan tenure3 months
Interest rate0.90%
Approval duration1-2 working days
Debt consolidationNo

Fees & Charges

One time set up
Processing fee0.8% per day for new borrowers and up to 5% per month for for people with higher 'credit scores'
Stamp dutyN/A
Disbursement & misc. feeN/A
Early settlementN/A
Late payment charges1.5% per day


Age requirementAge 18 - 55
Employment eligibilityN/A
Min. salary requirement₱0 gross per month
Guarantor / Collateral requirementNo

Other Requirements

Need to open linked banked account?Can disburse to any active bank account or GCash account
Other detailsPayment can be made at bank branches, online banking, over the counter at non banks like 7-11, Cebuana, etc

Product Review byiMoney

Atome Credit Cash Loan FAQ

As an online lending company, Atome provides quick and convenient loan programs that can cater to your immediate financial needs. Whether it’s for a medical emergency, upcoming lifetime events like weddings or debuts, immediate bill payments, or for memorable trips and tours with the whole family, you can avail of the needed funds without going through a troublesome process. Aiming to provide competitive service, they have one of the cheapest online lending rates in the country today with fast turnaround time of just 48 hours upon application. In terms of payment, get to decide between easy flexible terms from 7 days up to 3 months, ample time for the borrower to pay off the loan once payroll comes in.

How much can I borrow?

With Atome Credit Cash Loan, borrow from as low as ₱1,000 up to ₱10,000 on your next loan, subject to approval.

What are the Atome Credit Cash Loan Requirements?

An applicant must fulfill Atome's eligibility criteria for a loan:

  • Applicant must be between 18-55 years old.
  • Must have a valid gov ID like license, UMID, passport, etc.

*Additional documents may be required during credit evaluation.

How does the Atome Credit Cash Loan Calculator work?

The Atome Credit Cash Loan calculator computes the estimated cost of borrowing and amount of payment per installment. Input the desired loan amount to automatically get the estimated monthly amortization for different tenors.

Looking for better options? Make sure that you consider the following alternatives below and compare different products that will fit your needs:

Cashwagon Cash Loan
  • Belonging to the segment that caters to short-term, easy approval loans, Cashwagon Cash Loan offers immediate funds without the need for any collateral. Coupled with a low monthly income requirement of just ₱6,000, you can borrow from ₱7,000 up to a maximum amount of ₱20,000 if you are 20 to 60 years of age. With a simplified application process, a fast turnaround time is offered and you’re expected to receive the funds in as quick as 1-2 days. You are required to pay in maximum of 30 days with an interest rate of up to 40% of the approved loan.

  • South Asialink Credit Corporation Salary Loan
  • If you are running a bit short on cash with payday still a long way ahead, then it would be prudent to apply for short-term loan to keep your head above water until your payroll comes in. Enter South Asialink Credit Corporation Salary Loan, an easy approval, quick cash loan that can assist with your urgent financial situation. Borrow from as low as ₱15,000 up to a maximum of ₱250,000 with an interest rate of 3% per month. You can pay from 6 months up to 1 year with fast approval times of just 1 to 3 working days. To apply, you have to be 21 to 59 years old with monthly income of at least ₱50,000. No credit card required.

  • Chinatrust Salary Stretch Personal Loan
  • Whenever there are unexpected circumstances involving unforeseen expenses, it usually puts a strain on your cash flow and if stretching your salary isn’t enough, the next best option is to avail a salary loan. With CTBC Bank Salary Stretch Loan, you can resolve your financial difficulties by borrowing from as low as ₱20,000 up to ₱1,000,000 for whatever purpose it may serve. Payable in 1 to 3 years, the interest rate ranges from 29.48% to 44.47% with 1.39% monthly add-on. You can apply if your are currently employed or self-employed, with ₱15,000 monthly income for Metro Manila-based applicants and ₱10,000 from provincial-based applicants. Open to applicants from 23 to 60 years of age.

  • The options listed above are products that you can highly consider based on the product that you initially looked into. If you are still in the search for something better, you can search our full list of short-term online loans and compare details to guide you on getting the right product for your need.