Atome 

In the past, borrowing money could only be done through a bank. As a general rule, this was a rather complex operation since the bank took a lot of time to examine the client's request in order to give an answer.

For this reason, many people decide to borrow money from their friends or family. However, since online loans and platforms that have state-of-the-art technology have appeared, you can request money from home from a financial institution without having to go to any physical office.

 For example, Atome Credit is one of those financial institutions that can meet all the needs of users in addition to meeting and exceeding their expectations.

What is Atome

Atome, operating in the Philippines, is a brand created by the company Neuroncredit Financing. This financial institution offers financing solutions through loans in the form of online loans and mini-credits.

It is an entity that has several branches throughout Asia. In addition, the company is expanding rapidly, and their services will soon be available in other regions of the world.

Established in 2015, with its main financial headquarters in Singapore, the company's goal is to offer simple and accessible financial offerings to all Filipinos. Especially for those people who do not have access to basic banking services.

The requirements to apply for a loan or credit through this financial institution are quite minimal and the application process can be done safely through its app. Even those people who don't have a credit history can get an offer.

 The rates of atom credits are relatively low, and it is quite certain that you can get a positive response unlike with other entities where the requirements to obtain a credit are higher.

Atome Personal Loan

Through Atome Credit, you can apply for an online loan from a minimum of 1,000 PHP to a maximum of 12,000 PHP. In addition, the interest that you must pay each day has a reasonable rate, since it does not exceed 1%.

You can repay the loan after 7 days or within a maximum of 3 months. You can always extend the repayment period of your credit if you need to.

Through the Atome loan calculator  you can find all the necessary information to be able to apply for your loan online.

Requirements to apply for an Atome loan

If you want to apply for an Atome loan, you must meet the following requirements:

The company lists them on its official site, although below we will identify the ones that are indispensable:

• You must be between 18 and 55 years old.
• In addition, you must have an ID card to prove that you are Filipino.
• You will also need to have a smartphone with Internet access and have the Atome app downloaded to your phone or tablet.
• The lender may request other evidence or additional information depending on the initial conditions.

Steps to get an Atome loan

Apart from the requirements that you must meet in order to obtain a personal loan offer with Atome, the financier also requires you to follow the following steps to access your credit offer.

•  First of all, you will have to access the main screen of the application through your mobile device or tablet to be able to calculate the amount of credit you need and the term of duration. Thanks to its loan simulator you can choose what suits you best and you only have to register an account with your personal data to get your offer.
• Once you have registered your personal data, the financial institution will show you the final offer that has been adapted to your profile
•  Once you have completed the steps to obtain your loan online through Atome credit you must enter your mobile phone number and a password to verify your identity through SMS codes that will be sent to you.

If you meet these requirements, you will get a response within a few minutes and the payment of the loan will be made within a maximum period of 24 hours.

Repayment of the Atome loan

To repay the money to the financial institution, you can do this via different methods. Among the simplest options is bank transfer, through paymaya or using various applications that exist in the Philippine market.

In addition, it also has a wide range of payment options that can be made online through Robisons, 7-11 LBC, Bayad Center or other companies like that.

Once you have returned the money to the financial institution you can request a new personal loan if you need one.

 As you can see, obtaining a quality financial service and also repaying through comfortable, flexible installments is possible with this company.

Other services Atome credit offers

In addition to being able to obtain a personal loan, you can also make payments known in the Philippines as a pay later.

 With Atome you can choose your credit limit through the app and buy things like appliances or electronics in stores. To be able to access your credit line, you only have to use the application.

About the Atome Credit App

This app is where lenders and users can interact with each other. However, the company also has a website where you can access application forms to contact the financial institution in case you have any questions or complaints.

To get money comfortably and in a few simple steps it is best to download the application through the Google Play Store or through the App Store.

If you have any questions about the services of this financial institution you can contact their customer service that is operational within wide working hours from 09:00 in the morning until 18:00 in the afternoon.

Opinions of Atome Credit

The main product offered by this company is online lending. This service is quite secure, fast and flexible for customers who need to get cash immediately. Once the credit has been approved, sometimes in less than 5 minutes you can get your money deposited in your bank account.

The application works quite well and although improvements are being made continuously, in only four steps can you access your credit offer.

Users have also positively valued that the interest rate on the loan is low.

 In addition, the credit can be returned in a maximum time of 3 months.

 Why are you waiting to obtain your offer?