Philippines app comparison
Atome vs Kviku: Cost Disclosures, Terms and Risks
Atome
Card, Loans & Save
Card, Loans & SaveNeuroncredit Financing Company Inc.
Neuroncredit Financing Company Inc.
Kviku
Online Loans
Online LoansKviku Lending Co. Inc.
Kviku Lending Co. Inc.Key Differences
Loan Size
Atome — Maximum loan amount: ₱55,000. Available limit varies by customer and is shown in the app.
Kviku — Maximum loan amount: ₱25,000.
Published Cost & Terms
Atome
Source:
Google Play- Repayment Period: Up to 12 months available tenors are selected in the app.
- Maximum APR: 36% For Atome Cash.
Kviku
Sources:Google Play
Provider Website- Repayment Period: 15–135 days
- Daily Interest: 0%–2%
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Your comparison
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…
Kviku
What reviewers discussed
Sampled reviews described two reviews described difficulty obtaining a response or resolution after contacting support about a loan-related problem; two reviews described difficulty obtaining a response or resolution after contacting support about a loan-related problem.
Representative User Example
Worst loan app ever! Sobrang laki ng hidden fees at interest na hindi mo aakalaing aabot sa ganoong kalaki. Wala ring kwenta ang customer service dahil walang sumasagot kapag gusto mo nang mag-inquire o mag-reklamo. Sobrang hassle at nakaka-stress gamitin.…
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 Kviku publish?
Atome publishes a maximum loan amount of ₱55,000. Available limit varies by customer and is shown in the app. Kviku publishes a maximum loan amount of ₱25,000.
What repayment terms do Atome and Kviku publish?
Atome publishes repayment terms of up to 12 months. Available tenors are selected in the app. Kviku publishes repayment terms of 15–135 days.