Atome Cash — loans online in Philippines

Atome Cash is a personal cash loan service in the Philippines offered through the Atome app. It is designed for registered Atome users who need fast access to cash, with quick approval and flexible repayment.

Loan terms

• Loan amount: from ₱2,000 to ₱55,000
• Loan term: from 91 days to 12 months
• Interest rate: from 1% monthly; up to 25.55% annual interest rate

Borrower requirements

To qualify for Atome Cash, the borrower generally needs to be:

• A registered Atome user with past in-app transactions.
• At least 18 years old.
• A holder of a valid Philippine ID.
• A person with a bank account for disbursement.

How to get a loan

1. Download and open the Atome app.
2. Go to the Home tab and find the Atome Cash entry point.
3. Complete the required personal and financial information.
4. Link your bank account for loan disbursement.
5. Submit your application and wait for approval. The platform says approval can be fast, with funds possible on the same day in some cases.
6. Once approved, receive the money in your bank account or e-wallet, depending on the app flow and eligibility.

How to repay the loan

Repayment is handled inside the Atome app and follows the schedule shown in your loan agreement. Atome states that repayment plans can go up to 12 months, so the borrower should pay each installment on or before the due date.

You can usually repay by using the payment options available in the app, and you should keep enough balance in your linked account to avoid missed payments. Since the official page does not show a full payment guide on the public landing page, the safest instruction is to follow the repayment section inside the app and the schedule in your contract.