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Atomic Loan

Atomic Loan is a mobile-side online borrowing tool that provides small unsecured personal credit loans. Users can submit corresponding information through the "Atomic Loan" APP or WeChat public account to complete loan application, lending and repayment. All processes, without any mortgages and offline interviews.

product description

At present, the Atomic Loan consists of three loan products: Atomic Loan, Moonlight, and Loans. All three products are pure online microfinance products and they can all be submitted through the atomic loan app for loan and repayment. Atomic Loan and Moonlight can also be repaid through the “Atomic Loan” WeChat public account.

The application conditions for the three products are as follows:

All three products need: personal basic information, ID photo, emergency contact phone; in addition to this, it is also necessary to provide different materials for product features, as follows:


The application requires the least amount of information. It only requires the additional authorization of sesame seed.

Atomic Loan:

In addition to sesame seed, there is also a long-term credit card mailbox bill;

Loan payment:

In addition to sesame points, Alipay or Jingdong accounts need to be authorized;

The basic information of the three products is as follows:

The following will be analyzed one by one from five aspects:

Loan speed

All three products are fast, Moonlight is the fastest, and loans are made within one hour. Other products can also be paid within six hours.

Loan amount

All belong to a small amountCredit loanIn contrast, the amount of atomic loans is the highest;


Both the atomic loan and the payment loan should be judged according to the applicant's specific conditions. Moonlight is fixed at 0.8% per day;

Repayment period

The Moonlight is short-term, one-off payment is due upon maturity; atomic loans and payment loans are paid in installments;

Repayment in advance and deferred

Can be repayment in advance; moonlight part of the user can delay the repayment, after the loan will have a message to inform the extension; atomic loans and payment loans can not be delayed repayment

application process

The application process is very simple. Through the atomic loan app or public number, follow the prompts to fill in and upload data. It takes only four steps and can complete all processes within 10 minutes. Click the link below to see the detailed application flow diagram solution:

Payment loan application flowchart solution:


Moonlight application flow chart solution:


Atomic Loan Application Flow Chart Solution:


If you have problems in your application, you can go to the WeChat public account number "Atomic Loan", check the loan application strategy, or directly consult WeChat online customer service.

Atomic Loan APP download

Atomic Loan app download: scan the QR code below

Atomic Loan WeChat Public Account

The role of the public number:

Applying for loans and repayments: Users can directly apply for loans, inquiries, and repayments on the Atomic Credit public number, which is basically the same as the app's process. At present, it has already supported two products, Atomic Loan and Moonlight, and payment loans are not yet supported.

Online customer service Q&A: Any problems encountered by the user in the loan process, such as failure of data upload, failure of repayment, etc., can be communicated with the artificial customer service through the atomic loan public number. The service time of the customer service is 9:00~18: 00.

Unscheduled welfare activities: The public will release some welfare activities from time to time, and if they participate, they may get a loan red envelope.

Product Updates and Announcements: When new products or new features come online, they will be introduced through the public number at the first time. Major holiday arrangements will also be announced through the public number.

How to pay attention to the public number:

Wechat search for the public number “Atomic Loan” or use WeChat to scan the QR code below:

Atomic Loan Manual Service

Telephone customer service: 010-84359010

operating hours:

Monday to Friday: 9:00 to 20:00

Saturday, Sunday: 9:00~18:00

WeChat customer service: search for public number "atomic loan"

Working hours: 9:00~18:00

Atomic Loan Common Problems

Question one: What are the consequences of overdue? The

Different loan products have different levels of overdue treatment, but there are basically four types of treatment. One is that it will affect the qualifications for refinancing, the other is that it will be collected in various ways, and the third will affect credit records, such as sesame credit. orPersonal credit informationThe fourth report is that there will be overdue fines.

In the case of atomic loans, if the loan is repaid in time within 7 days, there will be only a very small amount of penalty interest, and the other will not have any effect. If overdue for more than 7 days, it will not only have bad credit records, but will also affect the refinancing. qualifications.

Question 2: Can not get credit information?

It is a matter of fact that when you apply for a loan, you do not check the credit information, and you do not have credit on the loan record. Under normal circumstances, less than 2000, not much credit, more than 2000 will be the basic credit information, different loan products for the Shanghai Credit Standard slightly different standards.

As far as atomic loans are concerned, credit records are credited, so they must be repaid on time. If they are overdue for more than 7 days, they will have bad records.