• 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
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Monthly Repayment


Total Interest Payable₱0
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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

If you are looking for a fast and simple online loan platform to borrow additional funds, then look no further. Atome Credit offers a secure and transparent cash loan service that can easily be accessed through their mobile app. Atome is a brand of Neuroncredit Financing Company, Inc., a reputable Financial Technology company and subsidiary of Neuroncredit Pte Ltd (Singapore), which have been operating in the microfinancing industry since 2015. To gain an edge from their competitors, they utilize Artificial Intelligence in providing faster and better services for their customers. Using their platform, you can expect instant approval and immediate transfer of funds straight to your bank account or Gcash in as quick as 24-48 hours. Borrow from as low as ₱1,000 up to ₱10,000 with an interest rate of 0.14%-0.9% per day, granting lower rates for borrowers with higher credit scores. Loan term ranges from 91-120 days, with a service fee of 0.14%-0.8%. There is no required minimum salary but you should be employed and 18-55 years of age. As of now, it is exclusively available to Android users only.

Advantages Of Applying With Atome Credit Cash Loan:

  • No minimum salary or credit card requirement.
  • Fast approval and disbursement in 24-48 hours.
  • Low interest rate of 0.14%-0.9% per day, favoring good paying customers.
  • Loanable amount from ₱1,000 - ₱10,000.

If you want to avail, take a look at the rest of the details below for more information regarding the product.

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.

Is Atome Credit Cash Loan the right one for me?

Atome Credit’s cash loan is ideal for customers looking to borrow a small amount in a fast and secure manner. Using their AI-based loan processing platform, just download and apply through their mobile app and you can get approved and receive the funds straight to your account in as fast as 24 hours. Having the additional cash allows you to resolve your immediate, short-term financial situation with convenient payment terms of up to 3 months. With easy access to extra funds, you can have peace of mind knowing that your urgent money matters can be taken care of using Atome Credit, for any purpose it may serve. Download their app now.

Having a number of options available is always beneficial to the customer. If your requirement doesn’t match this product, there are still alternatives that you can consider. Take a look at the products below and choose which best fits your need:

Cashwagon Cash Loan
  • With the rise of fast cash, microlending solutions in the country, one of the more popular providers in the industry right now is Cashwagon. They currently have an enticing promo, offering a cash loan with no interest or fees for first-time borrowers. This unique selling point makes it appealing for customers to try their service for an initial loan amount of ₱7,000. You can receive the funds in as fast as 1 hour. For your succeeding loan, you can borrow up to a maximum of ₱20,000 and payable up to 180 days. To be eligible, you must be 20-60 years of age and employed with at least ₱6,000 monthly income.

  • Tala Philippines Cash Loan
  • Being just a couple of years in the microloan financing industry, Tala Philippines is already poised to be another viable option to those interested in getting a cash loan with small amounts and fast turnaround time. Incorporated back in 2011, what started in Santa Monica, USA has now expanded to multiple locations worldwide, providing instant funding solution with just a few taps on your smartphone app. From a minimum of ₱1,000 up to ₱10,000, you will be able to receive additional funds straight to your bank account within the same day. You can pay as soon as 21 days up to 1 month. There is no income requirement and you just have to be 18-65 years old to avail.

  • Asteria Personal Loan
  • Even without having a specific mobile app available, it doesn’t mean that getting an Asteria Personal Loan would pose a problem for you. As a fully licensed, Makati-based financial services provider, Asteria offers various loan solutions to help you find the right product for your needs. With their personal loan, you can borrow from ₱2,000 up to ₱20,000 and have the cash disbursed straight to your bank account instantly once it gets approved, on the same day! Payment duration ranges from 61 days up to 3 months, payable in 3-6 terms. You must be employed with at least ₱10,000 monthly income and 20-60 years old to be eligible.

  • With a lot of options to choose from, you don’t have to worry about being stuck with unpaid payment obligations. Avoid incurring additional interest charges and pay off those debts by choosing the right online loan provider for your specific financing requirement.