Is Atome legit?
Yes. Atome is on the SEC list of recorded online lending platforms. It is run by NeuronCredit Financing Company Inc (SEC Reg. No. CS201816338, CA No. 1178). The SEC list dated Sep 29, 2026 records it as "Atome PH". SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "Atome PH" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | NeuronCredit Financing Company Inc., CS201816338 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 1178 (as printed by Atome) | Google Play, updated Sep 10, 2026 |
| SEC notices naming the app or lookalikes | 4 documents, latest SEC advisory on unauthorized online lending platforms of Apr 28, 2026 | SEC, Apr 28, 2026 |
| Price published | Yes: Cash loan from 1.75% a month; APR up to 36%. | Google Play, updated Sep 10, 2026 |
| Loan amount and term | Up to ₱55,000, over Up to 360 days | Google Play, updated Sep 10, 2026 |
| Google Play rating | 4.8 of 5 from 830,953 ratings, 5M+ installs, as of Oct 2, 2026 | Google Play, updated Sep 10, 2026 |
On ₱5,000 for 120 days, Atome's published terms come to at most ₱592 in interest and fees: interest of 2.96% a month and an all-in cost of 4.6% a month, higher because you repay in instalments but pay interest on the original amount the whole time. Atome on Google Play, updated Sep 10, 2026
Working: 36% a year × 120/365 days × ₱5,000 = ₱592 interest. The all-in rate is the monthly rate at which 4 payments of ₱1,398 repay the ₱5,000 you receive (SEC MC No. 14 s.2025 Sec. 2(d)).
Within the SEC caps for this loan: interest 2.96% a month against the 6% cap; all-in 4.6% a month against the 12% cap (SEC MC No. 14 s.2025, effective Apr 1, 2026). SEC MC No. 14 s.2025
Next: check the worked Disclosure Statement below, then compare Atome with the other recorded apps, or get it from its official Google Play listing.
Atome interest rate and what you pay back
Cash loan from 1.75% a month; APR up to 36%.
- You pay back
- Up to ₱5,592
- Cash you receive
- ₱5,000
- Interest and fees
- Up to ₱592
- Interest a month, at most
- 2.96%
- All-in cost (EIR) a month, at most
- 4.6%
- Share of the loan
- 11.8%
Terms from Atome's Google Play listing, updated Sep 10, 2026. Documentary stamp tax on a ₱5,000 loan for 120 days is about ₱12.33 (NIRC Sec. 179); check whether the Disclosure Statement passes it on. DST calculator Source
Atome Disclosure Statement, worked out: ₱5,000 for 120 days
Atome must give you this statement in writing before the loan is made (RA 3765, the Truth in Lending Act, Sec. 4). These are the figures it should show at its published maximum; if yours differ, ask why before you accept.
| Figure | Inputs | Rule | Result |
|---|---|---|---|
| Amount financed | ₱5,000 borrowed, nothing taken off | RA 3765 Sec. 4(5) | ₱5,000 |
| Interest | 36% a year × 120/365 days × ₱5,000 | Atome's published maximum | ₱592 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱592 |
| Simple annual rate | Atome publishes its maximum APR | RA 3765 Sec. 4(7) | Up to 36% |
| Late penalty, at most | 5% × ₱5,592 due | SEC MC No. 14 s.2025 Sec. 3 | ₱280 a month |
| All charges together, at most | 100% × ₱5,000 | SEC MC No. 14 s.2025 Sec. 3 | ₱5,000 |
| Documentary stamp tax on the loan | ⌈₱5,000 ÷ ₱200⌉ × ₱1.50 × 120/365 | NIRC Sec. 179, as amended by RA 10963 | ₱12.33 |
| Owed to you if the statement leaves one out | Greater of ₱100 or 2 × ₱592, up to ₱2,000 | RA 3765 Sec. 6(a) | ₱1,184 |
Should you borrow from Atome?
For ₱5,000 over 120 days, HappyPera2 costs at most ₱395, which is ₱197 less than Atome's published maximum of ₱592.
Choose Atome if
- you borrow ₱10,000 or less for up to four months: its published maximum stays within the SEC caps.
- you want to spread payments over as long as 360 days.
- you need up to ₱55,000.
Atome requirements, customer service and how to pay
- Requirements
- Not listed on its Google Play listing
- support@atome.ph
- Phone
- Not listed on its Google Play listing
- Pay through
- The channels shown in the app for your loan
As Atome lists them on its Google Play listing, updated Sep 10, 2026. Use only these channels or the app itself. Source
If you cannot pay Atome on time
If all ₱5,592 of a ₱5,000, 120-day Atome loan fell due unpaid, the penalty could be at most ₱280 a month, and interest, fees and penalties together could never pass ₱5,000. NeuronCredit Financing Company Inc's collectors, and any agency it hires, may not post your details, threaten you, call before 6 a.m. or after 10 p.m., or message anyone in your contacts except the guarantors you named (SEC MC No. 18 s.2019).
Complain to Atome first at support@atome.ph. If that fails, report NeuronCredit Financing Company Inc to the SEC on hotline 14732 or the iMessage portal, and report messages to your contacts to the National Privacy Commission at complaints@privacy.gov.ph. All eight prohibited collection practices.
Atome regulatory history
- Apr 28, 2026The SEC warned about fakes using this name: Atom Loan-Online Peso Loan on the Apple App Store. They are not run by NeuronCredit Financing Company Inc. Source
- Mar 26, 2026The SEC warned about fakes using this name: Atome Loan: online lending app on the Apple App Store, linked to Backoffice Associates Philippines. They are not run by NeuronCredit Financing Company Inc. Source
- Mar 6, 2026The SEC warned about fakes using this name: Atome Loan- Mabilis cash Loan on the Apple App Store. They are not run by NeuronCredit Financing Company Inc. Source
- Jan 29, 2026The SEC warned about fakes using this name: Atome Peso - Mabilis cash Loan on the Apple App Store. They are not run by NeuronCredit Financing Company Inc. Source
This page covers Atome's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact Atome first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about Atome
Who owns Atome?
NeuronCredit Financing Company Inc (SEC Reg. No. CS201816338), per the SEC list dated Sep 29, 2026.
What is Atome's interest rate?
Atome states (Atome's Google Play listing, updated Sep 10, 2026): "Cash loan from 1.75% a month; APR up to 36%." On ₱5,000 for 120 days: interest of 2.96% a month and an all-in cost of 4.6% a month, higher because you repay in instalments but pay interest on the original amount the whole time.
What is Atome's customer service number or e-mail?
E-mail: support@atome.ph. As listed by Atome (Atome's Google Play listing, updated Sep 10, 2026).
Does Atome call your contacts?
NeuronCredit Financing Company Inc may not contact anyone in your phone contacts except the guarantors or co-makers you named, even if you allowed access (SEC MC No. 18 s.2019, Sec. 1(h), issued Aug 19, 2019). Raise it with Atome at support@atome.ph, then the SEC on 14732.
Cheaper than Atome for ₱5,000 over 120 days
No lender pays to appear on this site or to change its position.
- HappyPera2: at most ₱395 in interest and fees (24% a year × 120/365 days × ₱5,000 = ₱395 interest); lends ₱1,000 to ₱100,000. Downside: skip it if you have no regular income: it asks for "steady source of income".
- Loanova: at most ₱480 in interest and fees (29.2% a year × 120/365 days × ₱5,000 = ₱480 interest); lends ₱4,000 to ₱100,000. Downside: skip it if you have no regular income: it asks for "active phone number and regular income".
- Lpeso: at most ₱480 in interest and fees (29.2% a year × 120/365 days × ₱5,000 = ₱480 interest); lends ₱3,000 to ₱60,000. Downside: skip it if you have no regular income: it asks for "verifiable source of income".