Updated September 28, 2026 · BorrowCue Editorial Team
ACLEDA Bank vs Addi
ACLEDA Bank vs Addi: the differences
| Compare |  ACLEDA Bank |  Addi |
|---|---|---|
| APR | 9% to 18% | 0% to 29.14%Lower |
| Term | 120 monthsHigher | 1 to 6 months |
| Arrangement fee | 1% of loan amount (Salary Loan); 1.5% of the loan amount, minimum KHR 8,000 or USD 2 (Advance Salary Loan) | 0 COP (no handling fee) |
| Funding time | Immediate automated approval in the ACLEDA Super App, no branch visit or paperwork | Credit applied for in minutes; the purchase is paid directly to the merchant at checkout |
| Loan types | Personal, Cash advance, Car, Student, BNPL, Credit line, Business, SecuredCovers more | BNPL, Credit line |
| Loan amount | KHR 400,000,000 | Not confirmed |
| Eligibility | Cambodian national with permanent address, employed or self-employed; Salary Loan age 18-55 with a payroll account held at ACLEDA Bank for at least 6 months | Not confirmed |
| Origination fee (%) | 1% to 1.5% | Not confirmed |
| Credit needed | Fair | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit check (Hard), Rate type (Fixed), Lender type (Direct lender), Free early repayment (Yes).
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Key differences
- APR is lower at Addi: 0% to 29.14% vs 9% to 18%.
- Term is higher at ACLEDA Bank: 120 months vs 1 to 6 months.
- Support channels: only Addi offers Community.
- Features: only ACLEDA Bank offers Same day funding.
- Features: only Addi offers Credit line.
- Loan types: only ACLEDA Bank offers Personal, Cash advance, Car.
Our verdict on each
ACLEDA Bank
ACLEDA Bank suits Cambodian borrowers who already hold a salary account at the bank and want a personal loan with a borrowing limit of KHR 400,000,000. Approval is immediate in the ACLEDA Super App, and the trade-off is eligibility: a payroll account and a waiting period sit in front of the Salary Loan.
Addi
Addi suits Colombian shoppers who want a credit line or pay-later plan at checkout rather than a cash loan. The costs are modest: fees of 0 COP (no handling fee) and an annual rate of 0% to 29.14%, with borrowing that a hard credit check sits behind.
Score breakdown
| Area | ACLEDA Bank | Addi |
|---|---|---|
| Cost | 9.0 | 9.5Higher |
| Offer | 9.6HigherFixed pricing at 9% to 18% across 120 months with fees of 1% to 1.5% keeps the offer easy to cost. | 9.0 |
| Trust | 9.3Higher | 9.2 |
What each covers
| Loan types | ACLEDA Bank | Addi |
|---|---|---|
| Personal | Yes | No |
| Credit line | Yes | Yes |
| Secured | Yes | No |
| Car | Yes | No |
| Business | Yes | No |
| Student | Yes | No |
| Cash advance | Yes | No |
| BNPL | Yes | Yes |
Also worth a look
FINANZCHECK.de has apr at -0.4% to 19.9%, against 9% to 18% for ACLEDA Bank and 0% to 29.14% for Addi.
FINANZCHECK.de reviewWhere these facts come from
ACLEDA Bank
- acledabank.com.kh: 20 facts, checked September 26, 2026
Addi
- co.addi.com: 14 facts, checked September 26, 2026
How they place
| Ranking | ACLEDA Bank | Addi |
|---|---|---|
| Buy now, pay later | 11 of 88 | 12 of 88 |
Every fact side by side
| Fact | ACLEDA Bank | Addi |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Credit line |
| Legal entity | ACLEDA Bank Plc. | Adelante Soluciones Financieras S.A.S. |
| Headquarters | Cambodia | Colombia |
| Founded | 1993 | Not confirmed |
| Support channels | Phone, Email, Help centre | Email, Phone, Help centre, CommunityCovers more |
Where each stands against the rest
| Fact | ACLEDA Bank | Addi | Median |
|---|---|---|---|
| APR | 9% to 18%above the median | 0% to 29.14%lowest quarter | 8.99 |
| Term | 120 monthshighest quarter | 1 to 6 monthslowest quarter | 60 months |
| Origination fee (%) | 1% to 1.5%above the median | Not confirmed | 0.25 |
Median across 1005 listed lenders.
Pros and cons
ACLEDA Bank
Pros
- Approval is immediate and automated in the ACLEDA Super App, with no branch visit and no paperwork.
- Free early repayment, so clearing the balance ahead of schedule costs nothing extra.
- Support runs on phone, email and help centre, so a call or an email reaches the bank rather than a third party.
Cons
- Eligibility is narrow: a Cambodian national with a permanent address, employed or self-employed, and a payroll account held at the bank for a waiting period plus a minimum age.
- The application runs a hard credit check, so it is worth applying only when the timing suits you.
- Support runs on phone, email and help centre only, so there is no live chat route for quick questions.
Addi
Pros
- The purchase is paid straight to the merchant at checkout, so credit is applied for in minutes
- Fees of 0 COP (no handling fee), so there is no handling charge on the credit or the line
- Fixed rates, with a fixed structure rather than a variable one
Cons
- The application runs a hard credit check, so a declined application shows on the credit file
- Repayment terms run 1 to 6, which is short for anyone wanting a longer period
- The top of the annual rate range is high at 0% to 29.14%, so cost varies sharply with the borrower
Who each suits
ACLEDA Bank
Who it suits
- Cambodian adults with a permanent address who are employed or self-employed and want a repayment figure that does not change each month.
- Borrowers who need money the same day without visiting a branch or sending paper forms.
- People funding home improvement work who may finish paying early without a charge.
Who should look elsewhere
- Not for Monzo Flex users, whose rates run 10% to 23% and sit in a different market from Cambodia.
- Not for Cashspace ES customers, whose APR is 0% and carries no interest at all.
- Not for Cashspace borrowers weighing lending at PHP 12 to PHP 36 in another currency market.
Addi
Who it suits
- Colombian shoppers splitting a purchase at checkout rather than taking a cash loan
- People who want a reusable credit line open alongside a pay-later plan
- Borrowers with a good credit file who pass a hard check and settle early
Who should look elsewhere
- Anyone who needs money paid into a bank account, as the purchase is paid to the merchant at checkout
- Borrowers who need a longer repayment period than 1 to 6
- People who cannot pass a hard credit check
Current offers
Addi
Current offer
Bonus
Minuto Ganador 2026: Bonus worth 100% of your purchase
Request your Cupo and buy in installments; every 5 minutes there is a winner
Source, checked September 26, 2026
Bonus
0% interest in up to 3 installments: 0% interest for eligible customers
Subject to transaction eligibility criteria set out in the 0% interest T&C
Source, checked September 26, 2026
Country by country
| Country | ACLEDA Bank | Addi |
|---|---|---|
| Cambodia | Yes | No |
| Colombia | No | Yes |
Questions about each
ACLEDA Bank
What rate will I pay on a personal loan?+
The published annual percentage is 9% to 18% and the rate type is fixed. The rate you are offered depends on the product and on your own circumstances, but the band above is the range the bank publishes for personal loans. Because it is fixed, the figure does not rise when market rates move.
What fees does ACLEDA Bank charge?+
There is an arrangement fee taken as a share of the amount borrowed, and the shares differ by product. A small percentage applies to the Salary Loan, a larger one to the Advance Salary Loan, where a minimum fee also applies. Taken together the arrangement fee runs 1% to 1.5% of the loan amount.
Addi
What does Addi cost to borrow?+
The published annual rate runs 0% to 29.14%, and there is a handling fee of 0 COP (no handling fee). Rates are fixed, so the cost of a plan does not drift while the balance is open. Early repayment carries no charge, which means settling sooner reduces the amount paid overall.
Is there a fee for opening a credit line?+
No handling fee applies: 0 COP (no handling fee) is what is listed for the credit and the line. The ongoing cost is interest, set on a fixed basis rather than a variable one, so the rate quoted at the start holds for the life of the plan.
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