Atome MY - Buy Now Pay Later

Unlock instant financing, credit card benefits, and PayLater flexibility

Say hello to smarter shopping with Atome — the all-in-one app that makes Buy Now, Pay Later, Visa card shopping, and instant financing effortless.
Split into 3 payments. Apply for an Atome Card to pay later anywhere Visa is accepted. For quick cash, try Atome i-Cash—fast and hassle-free, no paperwork. Your life, your shopping—together in Atome.
▶ Open an Atome account now and get RM15 off your first purchase! ◀
💳 What You Can Do with Atome:
1. Shop now, pay later with Atome PayLater
Shop smarter with Atome by splitting your purchases into 3 easy monthly payments, online or in-store. Enjoy flexible payments, daily vouchers, and monthly giveaways with exclusive prizes. Atome is accepted by thousands of top Malaysian merchants.
Shop top brands across fashion, tech, travel, and lifestyle — from Sephora and Samsung to Agoda and Watsons.
2. Get your hands on the Atome Card
Swipe with the Atome Card anywhere Visa is accepted — online, in-store, or overseas. Enjoy instant approval, no minimum income, and Shariah-compliant instalments for all your daily needs. Fast, flexible, and always ready when you are.
- No downpayment: Interest-free & pay later up to 40 days
- Zero annual fees: No hidden charges or paperwork headaches
- Up to 12 months: Shariah-compliant instalment payments
- Endless rewards: Earn Atome+ points on every purchase
- No minimum income: Instant approval with no requirements
3. Get your financing needs met with Atome i-Cash
Atome i-Cash offers fast, secure, and fully Shariah-compliant financing under the principles of Tawarruq. Whether it’s travel, fashion, education, or business, Atome i-Cash offers flexible financing up to MYR 15,000 to help you achieve more.
- High financing limits: Get up to MYR 15,000 for life's needs.

- Quick & easy application: Apply anytime, anywhere with just your ID card.
- Transparent fees: Super low rates starting at 1.5% per month, no hidden charges.

- Fast disbursement: Get your cash in as little as 2 minutes after approval.

- Flexible repayment: Choose a plan that works for you, with up to 12 installments.
⚡ Key features:
- Pay in 3 interest-free payments — Split your purchases into easy, zero-interest installments.
- Flexible repayment plans — Need more time? Choose payment plans that fit your budget.
- Fast financing — Appl