Philippines loan app review
Atome Cash Loan App Review
Atome Cash
· Via AtomeNeuroncredit Financing Company Inc.
What We Could Verify
- Repayment period: Up to 12 months
- Monthly interest rate: 0% to 6%
- Published maximum APR: 36%
- Origination/facilitation fee: May apply
- Monthly late fee: 5% of overdue principal
- Regulatory status: SEC registration and Certificate of Authority records verified.
Important conditions
Rates and applicable fees depend on the loan shown in the app. The exact fee is shown before confirmation, and available repayment terms are selected in the app.
Borrower Attention
Atome Cash access is conditional
Check availability in your account: Atome Cash is invite-only. Treat it as unavailable unless the Cash option and an offer appear in your account.
Current official sources show different maximum amounts
Check your in-app limit: Use the amount shown in your Atome Cash application, not the headline maximum.
Current sources describe the starting monthly rate differently
Compare the final offer: The retained sources do not explain how the monthly range relates to the published APR ceiling. Check the in-app rate, every fee, amount received, and total repayment before confirming.
Check Your Offer Cost
Review Insights from Google Play
Most Discussed
Payment posting and account balance
What reviewers discussedSeveral reviews described uncertainty about whether a payment had posted or reduced the displayed balance.
They have a terrible system and the worst customer service of all. I did an early payment 2 weeks before the due date but was not reflected in the app. I have been trying to reach out but they notified too late that my payment was not successful when it…
Google Play review | 2025-06-06
What this may meanKeep the payment receipt and confirm that the account balance changes before relying on the payment as completed.
Support response when a transaction needs help
What reviewers discussedSeveral reviews described difficulty obtaining a response or resolution after contacting support about a loan-related problem.
Does not accept debit cards. Only credit cards, after finally able to add the card, I was going to pay but then the app flagged me as suspicious and so I reached out for support for me just to be able to pay. And it was a useless effort. If I could rate…
Google Play review | 2023-02-28
What this may meanRecord the transaction reference and available escalation route before relying on support for a time-sensitive loan issue.
Recent Topics
Repayment contact
What reviewers discussedSeveral reviews described repeated or intrusive contact about repayment.
This app is convenient and useful when it comes to making payments. However, the way they handle payment reminders is very disappointing. They tend to contact and disturb people who are not directly connected to my account, which feels intrusive and unprofessional. It also seems like they become overly aggressive…
Google Play review | 2026-06-12
What this may meanKeep the stated due date, current balance, and contact history so repayment contact can be checked against the account record.
FAQ
Magkano ang puwedeng hiramin sa Atome Cash?
Ang current public range ng Atome Cash ay PHP 500 hanggang PHP 55,000. Nag-iiba ang available limit ng bawat customer, kaya i-check ang amount na ipinapakita sa app.
Magkano ang interest at fees sa Atome Cash?
Ayon sa current official disclosure, 0% to 6% ang monthly interest. Puwedeng may Loan Origination Fee o Loan Facilitation Fee, pero hindi lahat ng fee ay para sa bawat loan. I-check ang exact repayment plan sa app.
How much can I borrow from Atome Cash?
Atome's Cash page and help center show limits up to PHP 55,000 and say each customer's available limit varies. The current Google Play listing shows up to PHP 50,000, so use the amount displayed in your application.
What interest and fees can Atome Cash charge?
Atome's current help article says monthly interest may range from 0% to 6% and that either a loan origination fee or loan facilitation fee may apply. Store listings state APR is not more than 36%.
Which company provides Atome Cash?
The reviewed disclosures and SEC records identify Neuroncredit Financing Company Inc., SEC Registration No. CS201816338 and Certificate of Authority No.
Who can access Atome Cash?
Atome says Atome Cash is currently invite-only for active Atome users with transaction history. You must also be at least 18, have a valid Philippine ID, and have a bank account.