Philippines app comparison
Atome vs Maya: Cost Disclosures, Terms and Risks
Atome
Card, Loans & Save
Card, Loans & SaveNeuroncredit Financing Company Inc.
Neuroncredit Financing Company Inc.
Maya
Savings, Loans, Cards
Savings, Loans, CardsMaya Philippines, Inc.
Maya Philippines, Inc.Key Differences
Repayment Term
Atome — Up to 12 months. Available tenors are selected in the app.
Maya — 6–24 months.
Published Borrowing Limits
Atome — Maximum loan amount: ₱55,000. Available limit varies by customer and is shown in the app.
Maya — Credit limit: ₱250,000.
Published Cost & Terms
Atome
Source:
Google Play- Maximum APR: 36% For Atome Cash.
Maya
Source:Google Play- Maximum Annual APR: 30.78% For Maya Personal Loan.
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Extra Cost
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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…
Maya
What reviewers discussed
Sampled reviews described difficulty obtaining a response or resolution after contacting support about a loan-related problem (2 weeks).
Representative User Example
Terrible customer service, I tried to call your customer service line but it's unavailable any time of the day. I got assisted multiple times by your chat support agent but the problem was still unresolved. I want to close my account but it's been 2 weeks…
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 repayment terms do Atome and Maya publish?
Atome publishes repayment terms of up to 12 months. Available tenors are selected in the app. Maya publishes repayment terms of 6–24 months.
What borrowing limits do Atome and Maya publish?
Atome publishes a maximum loan amount of ₱55,000. Available limit varies by customer and is shown in the app. Maya publishes a credit limit of ₱250,000.