Atome Financial

Advance with intelligence to empower consumers, improving their quality of life.
Atome Financial

Create a better life for consumers through greater financial access and technology.

Founded in 2017, Atome Financial is a leading fintech company whose mission is to create a better life for consumers through greater financial access and technology. Our consumer business provides "buy now, pay later" (Atome) and digital lending services (Kredit Pintar, ND Finance) and has helped over 10 million consumers gain access to credit throughout Southeast Asia, India and China.

Kredit Pintar and ND Finance are our flagship brands on the digital lending side. Kredit Pintar is committed to leveraging leading AI technology to improve Indonesia's welfare. It is one of Indonesia's most popular financial services app with over 20 million downloads, 1.4 million reviews and a 4.8-star rating.
For more information:
  • KreditPintar
    Kredit Pintar distributes face masks, hand sanitizers, etc. to keep the community safe.
  • How does Kredit Pintar help you with your life?
Key Partners
  • Mrs. Meidina
    "The loan process is fast and not at all complicated. Only ID card & no collateral too! But you have to be disciplined about the payment of instalments. Always pay before due date and confirm if you will be late to pay. The best!"
  • Arie Febian
    "Thank you Kredit Pintar, starting from the download and registration process fast, only ID card and without collateral, the money will be immediately disbursed! Kredit Pintar is a trusted online loan application, anyway!"
  • Dwi Dara Adelia
    "The best and most trusted application. I wasn't sure at first, but after I found out that it was registered with the OJK, I immediately applied for a cash loan. Even though it was only the smallest try, it was only a few hours approved and the rupiah was immediately disbursed when receiving the approval SMS. Don't regret downloading Kredit Pintar."