Philippines app comparison
Atome vs Online Loans Pilipinas: Cost Disclosures, Terms and Risks
Atome
Card, Loans & Save
Card, Loans & SaveNeuroncredit Financing Company Inc.
Neuroncredit Financing Company Inc.
Online Loans Pilipinas
Online Loans Pilipinas Financing Inc.
Online Loans Pilipinas Financing Inc.Key Differences
Loan Size
Atome — Maximum loan amount: ₱55,000. Available limit varies by customer and is shown in the app.
Online Loans Pilipinas — Maximum loan amount: ₱30,000.
Repayment Term
Atome — Up to 12 months. Available tenors are selected in the app.
Online Loans Pilipinas — 90–720 days.
Published Cost & Terms
Atome
Source:
Google Play- Maximum APR: 36% For Atome Cash.
Online Loans Pilipinas
Source:Google Play- APR: 0%–180%
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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…
Online Loans Pilipinas
What reviewers discussed
Sampled reviews described uncertainty about whether a payment had posted or reduced the displayed balance.
Representative User Example
I've been a client for several times and my last loan with them was not good. I've paid before the due date. I've even received an email confirmation that payment has been settled but on their system, it still showing that I have a balance. Please do…
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 Online Loans Pilipinas publish?
Atome publishes a maximum loan amount of ₱55,000. Available limit varies by customer and is shown in the app. Online Loans Pilipinas publishes a maximum loan amount of ₱30,000.
What repayment terms do Atome and Online Loans Pilipinas publish?
Atome publishes repayment terms of up to 12 months. Available tenors are selected in the app. Online Loans Pilipinas publishes repayment terms of 90–720 days.