Frequently Asked Questions
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 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.
Who can apply?
Any Filipino citizen between 18 to 55 years old.
How can I apply?
Start shopping at On the Glow PH and choose Atome as your payment option. You may then register using your mobile number and apply for a credit line after selecting Atome.
Do I have to deposit cash or fund in to my Atome account before I can use it for my online purchases?
There is no need to deposit or fund cash into your Atome account. A credit limit will be assigned to individuals with approved applications, which they can use to purchase goods and services online.
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.
You can increase your credit limit when you continue to use it for purchases and pay your instalments on time.
What are the application requirements to be submitted?
Just complete the online application form and one (1) government-issued ID. Atome accepts the following IDs:
- Driver's license
- SSS ID
- UMID ID
- PRC ID
- Voter's ID
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.
Choosing Atome as Your Payment Option
Can I pay in installments?
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.
What if my approved credit limit is less than the value of the item I want to purchase?For these instances, we recommend that you start purchasing items valued within your approved credit line and repay on time to increase your limit.
When is my due date?
Your due date will be the same date of the month as your birthdate. For example, if your birthday is on March 15, 1988, your due date will be on every 15th of the month.
If your birthdate falls on the 29th, 30th, and 31st of any month, special due dates will be on the 15th, 16th, and 17th of each month, respectively. For example, if your birthday is on March 30, your due date will be on the 16th of every month.
Where can I view my statement?
Log in to your Atome app and click on the “Me” tab. You will find your “Paylater Statement” there.
How can I pay for my installments?
What are the available payment channels and partners for me?
You can pay via Online Payment and Offline Deposit.
Online Payment through DragonPay (one-time use reference number):
Offline Deposit (Lifetime Reference Number):
- Bayad Center
- Cebuana Lhuillier
- M Lhuillier
What is a lifetime reference number?
This is a unique reference number assigned to a customer for repayments to be made in the offline deposit channel.
Can I still use what’s left of my credit limit even if I missed an installment payment?
For all other queries, you can visit https://atome.ph/.