Getting started on your Atome journey

Learn about the things you will
need for your application.

REQUIREMENTS

ACCEPTED IDs

THE CREDIT PROCESS

With Atome, you can get cash in an instant, online!
To apply for credit, just launch the Atome app and follow a few simple steps:

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Fill-out the registration form, let us know about you. As with any loan, you also need to provide two references. Submit a photo of yourself and your valid government ID, so we’re sure that it’s really you.
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Wait a moment to see if you will be granted credit. Atome’s system will determine if you can be granted credit based on information provided by you in your application, together with any additional data we obtained from your given references and sourced credit agency.
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Select your preferred loan amount and duration. Your loan can be disbursed to your bank account, e-wallet, or can be picked up at your nearest Cebuana Branch. For Paylater, your credit will be used to pay for your goods.

THE PAYMENT PROCESS

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A couple of days prior to your due date, you will receive an SMS from Atome reminding about your loan.
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Tap the Repay button, choose your preferred repayment option. Pay on time to move up the Atome ladder and get lower rates, higher limits, and longer terms!
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Some payment channels may require additional steps such as validation. Make sure to follow all of the steps indicated in the app. Wait for the app to notify you that your payment has been received.