Can I lower my down-payment amount? 07 August 2025 07:37 Updated The down-payment is set automatically based on internal checks and can't be changed manually. The good news is, as you continue to use Atome and maintain a strong repayment history, you may see more flexible payment options in the future. Related articles Will I always have to pay a higher down-payment now? Why is my down-payment higher than usual? Is there something wrong with my account? Isn’t Atome supposed to always split my payments equally? Can I pay a higher down-payment for my 6, 9, or 12-month plan?