Atome MY - Buy Now Pay Later

Unlock instant financing and PayLater flexibility in one place

Say hello to smarter shopping with Atome — the all-in-one app that makes Buy Now, Pay Later and instant financing effortless.
Split into 3 payments. 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 up to RM20 off your first purchase! ◀

💳 What you can do with Atome:
▶ Shop now, pay later
Shop with Atome by splitting your bill into 3 manageable monthly payments online or in-store. Get what you love with flexible payments that fit your lifestyle, and exciting perks like daily vouchers, monthly giveaways for the chance to win exclusive prizes.
Atome is accepted by thousands of top brands in Malaysia — from fashion and beauty to electronics, travel, and more.
Some most loved categories:
- Fashion & Beauty: Sephora, SHEIN, Zalora, JD Sports
- Electronics & Tech: Samsung, Switch, Machine
- Travel & Hotels: Agoda, Batik Air, Airpaz
- Essentials & Lifestyle: Guardian, Watsons, Decathlon

▶ 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 you're planning a trip, shopping for the latest trends, upgrading your education or boosting your business, Atome i-Cash has you covered with flexible financing plans up to MYR 15,000.
- 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 instalments.
- Flexible repayment plans — Need more time? Choose payment plans that fit your budget.
- Fast financing — Apply online for quick financing with instant approval.
- Smart budgeting — Keep track of your spending, manage bills, and never miss a payment.
- Cashback & vouchers — Earn rewards and enjoy exclusive cashback offers.
- Pay & go simplicity — Make payments with just one tap, whether shopping online o