Philippines app comparison
Atome vs Home Credit Cash Loan: Cost Disclosures, Terms and Risks
Atome
Card, Loans & Save
Card, Loans & SaveNeuroncredit Financing Company Inc.
Neuroncredit Financing Company Inc.
Home Credit Cash Loan
Via Home Credit Philippines (HCP)
Via Home Credit Philippines (HCP)Hc Consumer Finance Philippines, Inc.
Hc Consumer Finance Philippines, Inc.Key Differences
Loan Size
Atome — Maximum loan amount: ₱55,000. Available limit varies by customer and is shown in the app.
Home Credit Cash Loan — Maximum loan amount: ₱150,000.
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Extra Cost
Extra Cost Rate
Daily Cost
Google Play Review Insights
1. Support for Payment or Transfer Problems
Atome
What reviewers discussed
Sampled reviews described difficulty obtaining a response or resolution after contacting support about a loan-related problem.
Representative User Example
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…
Home Credit Cash Loan
What reviewers discussed
Sampled reviews described difficulty obtaining a response or resolution from the container app's support channel.
Representative User Example
One of the most frustrating financial apps I've used! The app lacks transparency, payment details are confusing, and tracking support cases is a nightmare. The worst part is customer support—agents repeatedly auto-close active chats or tickets without…
What this may mean
Support delays can matter when a payment or transfer problem needs urgent resolution. Keep transaction records and screenshots, and confirm your account status while the issue is being handled.
FAQ
What borrowing limits do Atome and Home Credit Cash Loan publish?
Atome publishes a maximum loan amount of ₱55,000. Available limit varies by customer and is shown in the app. Home Credit Cash Loan publishes a maximum loan amount of ₱150,000.