Our Story

We empower a new generation of digital-savvy, mobile-first consumers by giving them smarter access to their aspirations.

Select Atome at checkout

Atome is one of Southeast Asia's leading digital consumer financing platform. Short for "Available to Me", Atome offers shoppers flexible payment solutions at popular online and offline retailers across categories like fashion, beauty, lifestyle, travel, fitness and homeware.

Atome is part of Atome Financial, a leading fintech company with extensive experience in consumer finance and promoting financial inclusivity through AI technology.

Atome Financial is part of Advance Intelligence Group, one of the largest independent technology startups based in Singapore. Founded in 2016, the Group has presence across South and Southeast Asia and Greater China.

Our three brand pillars


Enabling one’s deepest passions


Affordability and availability of quality products and services


Customisable features for smarter shopping

Select Atome at checkout

Our brand colour is called Spriteburst, a yellow-green tennis ball hue symbolising energy, progress, positivity and brilliance.


Our tagline, “Time to Own It” plays on the core concept of time.

We believe in empowering shoppers to afford products and services over time. At a deeper level, it's also an immediate call to action to own one's deepest passions and aspirations.

Select Atome at checkout

Through the power of AI, savvy consumers can now access a diverse range of lifestyle brands and services matched to individual passions and means.

With flexible interest-free payments, personalised controls and a commitment to develop best-in-class features, we empower our users to own their passions in their own time.

In turn, merchants partnering to increase access and choice will benefit from greater sales driven by new customers empowered across generations.

As featured on

Select Atome at checkout
Select Atome at checkout
Select Atome at checkout
Select Atome at checkout
Select Atome at checkout
Select Atome at checkout
Copyright 2023 Atome. All rights reserved.
Company Name

Apaylater Financials Pte. Ltd.

Registration Number


Licence Number


Business Hours

Monday to Friday: 09:30 - 18:30
Saturday, Sunday or Public Holiday: Closed