Atome Credit PH Online Loans
Atome PH is a Filipino company that provides online lending services for residents of the country. Neuroncredit Financing Company, Inc. operates the loan service and licensed by the Securities and Exchange Commission. The company specializes in short-term personal cash loans with low interest rate and offers online registration procedure. A high percentage of approval of loans brought the service fourth in the ranking of financial applications in the Google Play store.
The lack of offices and paperwork is most attractive for modern users; therefore, Atome PH offers an automated online service and the ability to submit an application using a smartphone or tablet. The company’s website and mobile app are easy to use and intuitive. More than 95% of verified users are guaranteed a loan with sure approval. The whole process of obtaining a loan is simple and intuitive. The main thing is to comply with all the conditions to increase the chances of payment approval.
Online Loan Requirements in Atome Credit PH
The loan application procedure is based on a list of conditions. It is a must for all potential customers. The process for obtaining credit is simple if your candidacy is suitable for all parameters. Here is a list of online loan requirements that are important for getting money quickly in Atome PH:
- You must be at the age of 18-55 years old;
- Philippines residents only;
- Employed people;
- A valid ID and Ph credit/debit card.
The credit line is not available for unemployed people or non-residents of the country. Also, potential clients will need a camera or camera phone to create a photo of their ID and selfie with documents. In some cases, the company pays a small amount without providing an identity card, limited to other materials. Users will have to upload all the data to the site and fill out the online form using a personal computer or smartphone.
Atome Credit PH Loan Amount, Interest Rate and Fees
Users can apply for a quick emergency cash loan in the amount of 1,000 to 10,000 pesos. A credit line for beginners is available up to 5,000 pesos maximum. The amounts are small, but they are compensated by the opportunity to take a loan for a short period. Also, new users can apply for a loan from 7 to 14 days. Repeat borrowers receive special conditions and up to 120 days of lending. Money is available at 0.9% per day or 328.5% per annum. The average payment comes to a bank card within 48 hours. Users with a clean credit history and numerous loans at Atome PH can count on lower interest rates and a high approval rate.
The service fee is 0.14% -0.8%. Carefully consider the process of repaying the loan and determine your financial capabilities. The credit must be refunded in full within 61-90 days — users with outstanding debt risk receiving penalties and additional payments. In the case of a long delay in cash, you will have to repay an amount far over the original loan. Take this into account when applying for an online loan at Atome PH.
How to Get an Online Loan in Atome PH?
First of all, you must be the owner of a smartphone or tablet on Android. You need to download the application from the website link or directly to the Play Market. Next, you need to go through a simple registration procedure. Enter your data in the appropriate online form, the required amount, and term of the loan. You will need to upload a photo of your ID and selfie with this document. Apply and wait for its processing. The service works based on neuro-networks and processes each request automatically.
The system processes the common application in 5 minutes. After that, the company manager will call you to clarify the details of lending. After that, you need to expect a text message confirming the loan. Over 97% of users receive a positive response. You must specify your real bank card number so that the money will be credited. Service declares instant crediting of funds.
As a rule, a financial transaction is completed in 24 hours or less. It is a high figure, indicating a high standard of customer service in the company. All interest rates and the expected amount of payments can be calculated in the online calculator. There are all the necessary options for quick data retrieval.
Atome Credit PH: Advantages and Disadvantages
The undisputed pros of Atome PH are the ability to get a fastest online loan approval in a short period. You do not need to wait for the approval of the credit for several days. The decision made within 15-20 minutes. The service works based on neuro networks. Therefore the primary data processing is carried out by the system automatically. It reduces the percentage of failures due to the inattention of company employees.
Atome PH loan can obtain within a few hours after the application. The company declares 24 hours for the payment of funds. There are cases when money credited in the first 30-50 minutes. All actions performed through the use of a smartphone. Just follow the prompts of your gadget, and you are guaranteed to get your money. The loan processing procedure is straightforward, so any adult can get a loan online in a short period, sometimes in one hour or less.
Despite the advantages, Atome PH has several disadvantages. The application is available only on Android. IOS customers will have to use an alternative method to communicate with the company or use the mobile version in the browser. Lending is available only to residents of the Philippines with an ID card. You need to have a formal place of work and a steady income to receive money on your credit/debit card. Other payment options are not supported. It should also have a high percentage of the commission and severe penalties for late payments on the loan.
The company’s office is easy to find at Unit 1605 Centerpoint Building, Julia Vargas Ave., cor Garner Rd., Ortigas Center, Brgy. San Antonio, Pasig City. It is useful for those who want to meet with employees of the company personally. Also, customers can write a message at the company’s e-mail (firstname.lastname@example.org). Clients can use the online chat in the application to communicate with company managers. The app is available around the clock. You can apply for a loan online at any time convenient for you.