Philippines app comparison
Atome vs Finbro: Cost Disclosures, Terms and Risks
Atome
Card, Loans & Save
Card, Loans & SaveNeuroncredit Financing Company Inc.
Neuroncredit Financing Company Inc.
Finbro
Finbro.ph
Finbro.phSofi Financing Inc.
Sofi Financing Inc.Key Differences
Loan Size
Atome — Maximum loan amount: ₱55,000. Available limit varies by customer and is shown in the app.
Finbro — Maximum loan amount: ₱50,000.
Published Cost & Terms
Atome
Source:
Google Play- Maximum APR: 36% For Atome Cash.
Finbro
Source:Google Play- APR: 0%–144% Based on credit assessment.
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Extra Cost
Extra Cost Rate
Daily Cost
Google Play Review Insights
1. Payment Posting and Balance Confirmation
Atome
What reviewers discussed
Sampled reviews described uncertainty about whether a payment had posted or reduced the displayed balance.
Representative User Example
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…
Finbro
What reviewers discussed
Sampled reviews described one reviewer described uncertainty about whether a payment had posted or reduced the displayed balance.
Representative User Example
The interest is extremely high. I borrowed ₱10,000, but I have to pay a total of ₱15,783. That is a huge amount, especially since they only gave me a few weeks to repay it. I already paid ₱3,114, thinking that it would reduce my outstanding balance.…
What this may mean
An unposted payment can leave the balance or amount due unclear. Keep the receipt and confirm the payment date, posted balance, and remaining amount before treating repayment as complete.
FAQ
What borrowing limits do Atome and Finbro publish?
Atome publishes a maximum loan amount of ₱55,000. Available limit varies by customer and is shown in the app. Finbro publishes a maximum loan amount of ₱50,000.