Company:
Neuroncredit Financing Company Inc.
SEC Registration Number CS201816338, Certificate of Authority No. 1178
Atome Cash is a loan app Philippines users can access through the Atome mobile app. The app can be downloaded from the App Store , and Atome’s official page prompts users to get the app first before applying.
To how to download it in a simple way: search for “Atome” on your phone, install the official app, open it, and sign up with your mobile number and required personal details. After that, complete your profile and continue to the loan section if you are eligible.
Atome Cash works as a cash loan feature inside the Atome app for eligible users in the Philippines. The process is app-based: users register, upload details, link a bank account, submit a loan request, and wait for approval and disbursement.
The app is designed to make borrowing faster and more convenient than a branch-based loan. In public listings and user content, Atome Cash is described as a cash loan service with quick application flow and repayment handled inside the app.
Atome itself is a real and registered consumer finance brand in the Philippines, and its official pages present Atome Cash as part of the company’s lending offering. That supports the view that the official Atome app is a legitimate product when downloaded from trusted stores and used through official channels.
There is also a separate warning about a different app called “Atome Loan: Online Lending App,” which the Philippine SEC said was not authorized and was using the Atome name without permission. That means users should be careful to use only the official Atome app and avoid lookalike lending apps.
Public feedback suggests the app is attractive for people who want fast access to cash and a simple digital application flow. Some reviewers highlight fast approvals, while others point out that the interest cost can be high compared with lower-rate credit options.
Overall, this app review philippines perspective is mixed: the app is convenient and widely discussed, but borrowers should check the total repayment amount carefully before accepting a loan. For users who need a quick cash loan, the main advantage is speed; the main drawback is cost.
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Interest |
Loan amount |
Term |
Borrower age |
SEC registered |
||
|---|---|---|---|---|---|---|
|
APR 145%
|
₱500 — ₱20,000
|
from 3 to 6 months
|
22+ years
|
SEC Registration number: CS201953O73., Certificate of Authority №1254
|
|
|
from 0%
|
₱1,000 — ₱50,000
|
up to 12 months
|
20 — 70 years
|
SEC Registration No. CS201908275 SEC Certificate of Authority No. 2990
|
|
|
APR 182%
|
₱1,000 — ₱30,000
|
from 7 days to 6 months
|
21 — 70 years
|
SEC Registration No. 2021030009095-02 Certificate of Authority N o. 3427
|
|
|
from 0% up to 1.99% per day
|
₱1,000 — ₱20,000
|
7 or 14 days
|
21 — 70 years
|
Company Registration No. CS201951088 and Certificate of Authority No. 1309
|
|
|
0.16% per day
|
₱500 — ₱25,000
|
from 15 to 135 days
|
20 — 55 years
|
SEC Registration No. CS201918702. Certificate of Authority No. 3169, NPC Registration No. PIC-001-791-2021
|
|
