Atome PH - Buy Now Pay Later

Experience empowering financial flexibility with Atome PH - Buy Now Pay Later, a leading digital consumer financing platform in Southeast Asia. The app enables you to indulge in your passions, whether they lie in fashion, travel, or everyday purchases, with ease and control over your budget.

The innovative Atome Card transforms the way you approach shopping by allowing you to split your expenses into manageable 3 or 6-month installments at 0% interest. Furthermore, obtaining the card is hassle-free, with no annual fees, income prerequisites, or paperwork—the registration is effortlessly completed online.

For those moments when you need immediate funds, the platform offers a swift online loan service with interest rates starting at a competitive 1.75%, extendable up to a 12-month installment period.

Importantly, this service is fully integrated with your lifestyle. You can use your card on major platforms like Lazada, Shopee, and even for utility bills. Physical and virtual cards provide shopping flexibility both online and in-store, offering a spending limit of up to ₱200,000.

Among the features that enhance the user experience:

- Spending flexibility and budget management, ensuring you can shop now and pay later.

- Wide acceptance at stores and services that accept Mastercard, both locally and abroad.

- Easy bill payments for utilities, with convenient options through GrabPay and Bayad Center.

To obtain the card, you simply need to be 18 or older with a valid Philippine ID. The sign-up process is straightforward, with approval typically occurring within 1-2 days.

Transparency is a core value, with installment plans that feature interest rates as low as 2% and APRs that vary according to the chosen plan, ensuring there are no hidden service charges. This puts users in control of their finances, avoiding unexpected costs with clear illustrations of total loan repayment amounts.

Engage with this modern finance solution for a savvy, streamlined, and responsible approach to managing your expenses and enhancing daily life. Download the app today to experience financial ease and the joy of shopping without the immediate burden.