Atome FAQs


Atome Online Shopping Installments

  1.       What is Atome Online Shopping Installments?
  •         Atome Online Shopping Installments provides you with a virtual credit line that can be used to make purchases with our Atome-affiliated online merchant partners. 

Through this product, you can now choose to pay your purchases in light and easy monthly installments for up to 6 months.

  1.       Who can apply?
  •         Any Filipino citizen between 18 to 55 years old.
  1.       How can I apply?
  •         Start shopping at any of Atome-affiliated online merchant partners and choose Atome as your payment option. You can register using your mobile number and apply for a credit line after selecting Atome.

Note that you can apply for Online Shopping Installments *only through our merchants’ ecommerce sites. 

*Currently available to New-to-Atome users

  1.       Do I have to deposit cash or fund in to my Atome account before I can use it for my online purchases?
  •         There’s no need to deposit or fund cash into your Atome app. A credit limit will be assigned to individuals with approved applications, which they can use to purchase goods and services online.
  1.       If I get approved, what credit limit amount should I expect? 
  •         The credit limit provided will depend on our assessment of your profile. Approved credit limits can range between Php 3,000.00 up to Php 40,000. 

Continue to use your credit line for your purchases and repay on time to increase your credit limit.

Application process


1. What are the application requirements to be submitted?

  •         Just a completely filled out online application form and one (1) government-issued ID. We currently only accept the following IDs:
  •         Driver’s License
  •         SSS ID
  •         UMID ID
  •         PRC ID
  •         Passport
  •         Voter’s ID


  1.       What should I expect after I have submitted my application form?
  •         Atome shall verify your application upon submission. Once successfully processed, you will be informed of your approved credit limit that you can use to shop at any of our online merchant partners.


Choosing Atome as Payment Option

  1.       Can I pay in installments?
  •         Yes. For total purchases amounting to more than Php 3,000, you have the option to pay in 2, 3, or 6 monthly installments. You can also defer the payment of purchases amounting to Php 3,000 and below for up to one month.