Atome vs Creditas
Atome vs Creditas, compared side by side on 13 data points: what each one does, how big it is, what it has raised, the tech running each site, and what users report. We score both out of 100 on traction, team and visibility: Atome is on 48/100 and Creditas on 76/100.
Where each one leads
Atome
Leads on none of the measures we hold for both companies.
Creditas
- our overall score: 76/100 against 48/100
- agent readiness: 55/100 against 22/100
- funding raised: $40.0M against $30.0M
At a glance
| Measure | Atome | Creditas |
|---|---|---|
| What it is | Buy Now, Pay Later (BNPL) platform enabling flexible installment payments for consumers. | Online platform for asset-backed consumer loans, offering secured credit with lower interest rates. |
| Category | Fintech, Payments, Digital Payments, Embedded Finance | Fintech, Lending, Embedded Finance, Consumer Loans |
| Sells toBusiness model | B2B2C | B2C |
| Offering | Platform | Platform |
| Founded | 2019 | 2012 |
| Headquarters | Singapore, Singapore | São Paulo, Brazil |
| Status | Inactive | Active |
Size, funding and growth
| Measure | Atome | Creditas |
|---|---|---|
| Employees | Not published | 2,097 |
| Total funding | $30.0M | $40.0M |
| Latest round | Series A | Series B |
| Valuation | Not published | $4.8B |
| LinkedIn followers | Not published | 352,966 |
StartupHub scores
Our own 0-100 ratings. They measure company strength and site quality, not which product suits you.
| Measure | Atome | Creditas |
|---|---|---|
| StartupHub scoreOur 0-100 rating | 48/100 | 76/100 |
| Traction | 37/100 | Not published |
| Team | 60/100 | 36/100 |
| Community | 15/100 | Not published |
| Search visibility | 2/100 | 100/100 |
| Quality | 58/100 | Not published |
| Agent readinessHow well an AI agent can read and act on the site | F (22/100) | D (55/100) |
| Domain ratingLink authority, 0-100 | Not published | 69/100 |
Technology
Detected on each public site, so it reflects the marketing stack as well as the product.
| Measure | Atome | Creditas |
|---|---|---|
| Hosting | Self Managed | Not detected |
| CDN | Not detected | Cloudflare |
| CMS | Not detected | Webflow |
| Analytics | Not detected | Google Tag Manager, Segment |
Atome vs Creditas: common questions
Which is better, Atome or Creditas?
On our 0-100 score Creditas rates higher (76/100 against 48/100). The score weights traction, team, visibility and profile completeness, so it reflects company strength rather than which product suits you. We compare the two on 13 data points above: read the rows that match what you are buying for.
How do Atome and Creditas compare on the numbers?
Creditas leads on our overall score (76/100 against 48/100), agent readiness (55/100 against 22/100), funding raised ($40.0M against $30.0M).
Read the full Atome review and pricing or the Creditas review and pricing. You can also browse other Atome alternatives we track.