Philippines app comparison
Atome vs JuanHand: Cost Disclosures, Terms and Risks
Atome
Card, Loans & Save
Card, Loans & SaveNeuroncredit Financing Company Inc.
Neuroncredit Financing Company Inc.
JuanHand
Online Cash Loan App
Online Cash Loan AppWefund Lending Corp.
Wefund Lending Corp.Key Differences
Loan Size
Atome — Maximum loan amount: ₱55,000. Available limit varies by customer and is shown in the app.
JuanHand — Maximum loan amount: ₱50,000.
Published Cost & Terms
Atome
Source:
Google Play- Maximum APR: 36% For Atome Cash.
JuanHand
Source:Google Play- Maximum APR: 30%
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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…
JuanHand
What reviewers discussed
Sampled reviews described advance or completed payments not appearing promptly in the account, followed by difficulty reaching support for an update.
Representative User Example
I sent an email 3x, currently calling your customer service hotline for one hour now, tried all the contact numbers on your page, reached out to your instagram just to ask the status of the advance payment I made yesterday because it is not posted on my account.
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.
2. 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…
JuanHand
What reviewers discussed
Sampled reviews described fast installment reminders, while a recent review reported difficulty finding clear contact details or reaching support about a reloan error and disbursement question.
Representative User Example
Their csr are so fast to remind about your approaching deadline of your instalment loan, but when I need them about the error of my reloan, they're so hard to contact.
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 JuanHand publish?
Atome publishes a maximum loan amount of ₱55,000. Available limit varies by customer and is shown in the app. JuanHand publishes a maximum loan amount of ₱50,000.