Atome (Formerly Kredit Pintar): Your Online Financial Service Provider

Here’s a simple task for you: go to Google and type “online cash loan” on the search bar. What do you see? Tons of online cash providers, right?

Apparently, online cash lenders are proliferating these days for variety of reasons. In line with that, there’s another one worth checking: Atome. 

Who is Atome? 

Formerly known as Kredit Pintar, Atome is a financial technology company that aims to provide Filipinos, especially unbanked ones, an access to credit. It is the brand of Neuroncredit Pte Ltd, a Singapore-based company that uses artificial intelligence to be able to provide better and faster services to users.

In late 2018, Neuroncredit Pte Ltd brought their brand to the Philippines under the name Kredit Pintar. Less than a year later, it was rebranded into Atome, but still with the same vision of providing access to credit to millions of unbanked Filipinos and encourage financial inclusion in the country.

How to Apply with Atome 

First, take note that the company only offers maximum of P10,000 and payable in three months. If you need an amount higher than that, then Atome might not be of help.

On the other hand, here’s a step-by-step guide on how to apply with Atome:

Step 1: Download the Atome app on Google Play Store. Unfortunately, the app is available on Android devices only.

Step 2: Open the app. Click Register Now.  Step 3: Register using your mobile number. Make sure that your number is active since this is where notifications will be sent. Step 4: A text message will be sent on your mobile number. Input the code to verify your account. Step 5: Log-in. Make sure you click Allow to let Atome manage your phone calls and contacts. Take note that this is needed, otherwise, you won’t be able to apply for a loan. Step 6: Start entering your personal details such as name, birthdate, address, and employment details among others. It is imperative that you are honest with your details since this helps Atome verify your credibility as a borrower. Step 7: Once you’re done filling out your details, you can now apply for a loan. Keep in mind that for first-time borrowers, you can only borrow up to P2,000. Through frequent borrowing, you may be able to borrow as much as P10,000, which are payable in three months

Choose your Repayment Plan, Tick the I Agree to the Loan Agreement box, and then click Borrow. Step 8: Your loan details will be displayed as well as the breakdown of fees. If you agree and sure to borrow, click Borrow. Step 9: Choose between Bank Transfer or Cash Pickup for your mode of disbursement. For cash pickup, only Cebuana Lhuillier is the authorized disbursement channel of Atome. Step 10: Atome representatives will review your loan application. Wait for confirmation on whether or not you are qualified.

Tips in Applying with Atome:

  • Link your Facebook account. This will help Atome representatives verify your identity.
  • Borrow what you can pay, regardless of the amount.
  • Make sure you have at least one valid, government-issued ID. This is necessary because, again, it helps verify your identity and that you are a real person.

Have you tried Atome? Let us know about your experience by leaving a comment below.


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