Philippines app comparison
Atome vs Tala: Cost Disclosures, Terms and Risks
Atome
Card, Loans & Save
Card, Loans & SaveNeuroncredit Financing Company Inc.
Neuroncredit Financing Company Inc.
Tala
Fast Cash Peso Loan App
Fast Cash Peso Loan AppTala Mobile
Tala MobileKey Differences
Published Borrowing Limits
Atome — Maximum loan amount: ₱55,000. Available limit varies by customer and is shown in the app.
Tala — Credit limit: ₱25,000.
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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…
Tala
What reviewers discussed
Sampled reviews described repeated waiting periods or difficulty getting a clear resolution from support after disbursement or transfer problems (7 working days).
Representative User Example
It's almost three weeks but they still not resolve it, they just keep on saying that I need to wait for another 7 working days to settle it.
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 Tala publish?
Atome publishes a maximum loan amount of ₱55,000. Available limit varies by customer and is shown in the app. Tala publishes a credit limit of ₱25,000.