Updated September 28, 2026 · BorrowCue Editorial Team
ACLEDA Bank vs Brigit
ACLEDA Bank vs Brigit: the differences
| Compare |  ACLEDA Bank |  Brigit |
|---|---|---|
| APR | 9% to 18% | 0%Lower |
| Loan amount | KHR 400,000,000 | $25 to $500 |
| 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 (no origination fee; optional Express Delivery fee applies for Plus members) |
| Credit check | Hard | None |
| Funding time | Immediate automated approval in the ACLEDA Super App, no branch visit or paperwork | Standard delivery 1-3 business days free; Express Delivery within 20 minutes for a fee (free on Premium) |
| Lender type | Direct lender | Broker |
| 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 | US residents 18 years or older; checking account active 60+ days, balance above $0, at least three recurring deposits from the same source |
| Loan types | Personal, Cash advance, Car, Student, BNPL, Credit line, Business, Secured | Payday, Cash advance |
| Credit needed | Fair | Poor |
| Term | 120 months | Not confirmed |
| Origination fee (%) | 1% to 1.5% | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Rate type (Fixed), Free early repayment (Yes).
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Key differences
- ACLEDA Bank scores higher overall: 9.3 vs 8.8.
- Founded is lower at ACLEDA Bank: 1993 vs 2017.
- APR is lower at Brigit: 0% vs 9% to 18%.
- Loan types: only ACLEDA Bank offers Personal, Car, Student.
- Loan types: only Brigit offers Payday.
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.
Brigit
Brigit suits US adults with poor credit and a bank account that already shows incoming deposits, and borrowing costs nothing: the annual rate is 0% and the arrangement fee is free. Money can arrive the same day, but sums are small at $25 to $500.
Score breakdown
| Area | ACLEDA Bank | Brigit |
|---|---|---|
| Cost | 9.0 | 9.5HigherThe rate is 0%, the arrangement fee is free, and early repayment is free; the only charge is paid Express Delivery on Plus. |
| Offer | 9.6HigherFixed pricing at 9% to 18% across 120 months with fees of 1% to 1.5% keeps the offer easy to cost. | 8.7 |
| Trust | 9.3Higher | 8.3 |
Which one suits you
Pick ACLEDA Bank if offer matter most.
Pick Brigit if cost and apr matter most.
Licences and countries
| Country | ACLEDA Bank | Brigit |
|---|---|---|
| Cambodia | Not confirmed | |
| United States | Not confirmed | NMLS (US) 2429907 California Department of Financial Protection and Innovation (Income-Based Advance Provider, CCFPL registration) 04-CCFPL-2429907-3473890 |
Additional countries for ACLEDA Bank: 1. Additional countries for Brigit: 1.
A third option
FINANZCHECK.de has apr at -0.4% to 19.9%, against 9% to 18% for ACLEDA Bank and 0% for Brigit.
FINANZCHECK.de reviewHow they place
| Ranking | ACLEDA Bank | Brigit |
|---|---|---|
| Loans for bad credit | 82 of 275 | 67 of 275 |
| Cash advance apps | 6 of 53 | 3 of 53 |
Every fact side by side
| Fact | ACLEDA Bank | Brigit |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | ACLEDA Bank Plc. | Bridge It, Inc. |
| Headquarters | Cambodia | United States |
| Founded | 1993Lower | 2017 |
| Support channels | Phone, Email, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | ACLEDA Bank | Brigit | Median |
|---|---|---|---|
| APR | 9% to 18%above the median | 0%lowest quarter | 8.99 |
| Term | 120 monthshighest quarter | Not confirmed | 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.
Brigit
Pros
- The annual rate is 0%, so the advance is free to take out and free to hold while you keep it.
- The credit check is none, so there is no bureau search to pass, and the rating needed is poor.
- Same day funding is a headline feature (same day funding), so an urgent bill does not have to wait for a full transfer cycle.
Cons
- The advance tops out at $25 to $500, so it will not stretch to a large bill or a consolidation.
- Eligibility is narrow: US residency, a minimum age, a checking account open for a waiting period, a balance above the minimum, and repeated deposits from the same source.
- Brigit is a broker, so the advance is placed by a partner lender rather than priced by Brigit itself.
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.
Brigit
Who it suits
- US adults with a poor credit history who want a free rate and will accept a small sum.
- Anyone who will not pay interest to hold a balance: alternatives such as Cashspace at PHP 12 to PHP 36 and Creditilia ES at 4% to 289% both cost money to carry.
- People whose checking account has been open a long time and receives the same deposits each month.
Who should look elsewhere
- Anyone chasing a large sum: the advance is capped at $25 to $500, so a bigger loan such as Andacredito at 0% to 36% may suit a larger bill.
- Readers without a steady deposit history, since the eligibility test is built on an account with recurring deposits rather than on a credit file.
- Borrowers who plan to carry a balance over a term, since Brigit's payday and cash advance products reward clearing the advance quickly.
Current offers
Brigit
Current offer
First period offer
Brigit Premium plan includes free Express Delivery on cash advances: $15.99/month plan, free Express Delivery
Premium membership; cancel anytime; not available in all states
Source, checked September 26, 2026
Country by country
| Country | ACLEDA Bank | Brigit |
|---|---|---|
| Cambodia | Yes | No |
| United States | 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.
Brigit
What does a Brigit advance cost?+
The annual rate is 0%, so the advance is free to take out and free to hold. The arrangement fee is free as well, with no origination charge on the advance itself. The one optional cost is Express Delivery, which carries a fee for Plus members and is free on Premium accounts. Clearing the advance early costs nothing either.
Does Brigit run a credit check?+
The credit check is none, so there is no bureau search to pass, and the rating needed is poor. Approval leans on your bank account and its deposit history instead of on a credit file. For a borrower with a damaged score that is the point of the product rather than a shortcut.
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