The Atlas app generally aims to provide accessible financial solutions, whether for a rewards credit card to build credit or for personal loans. I like the idea of ease of approval and the potential for credit building, with some reporting score increases. However, be aware of potential downsides. For loan services, I’m concerned about high interest rates and issues with payment tracking and communication. For the credit card, I notice a notable annual fee and features like "smart pay" which lead to overdraft issues if not managed carefully. In short, Atlas offers an accessible entry point to credit and loans, but it's crucial to thoroughly understand the terms, fees, and automated features to avoid unexpected costs.