Updated September 28, 2026 · BorrowCue Editorial Team
ACLEDA Bank vs Cofidis FR
ACLEDA Bank vs Cofidis FR: the differences
| Compare |  ACLEDA Bank |  Cofidis FR |
|---|---|---|
| APR | 9% to 18% | 5.43% to 8.54%Lower |
| Loan amount | KHR 400,000,000 | €500 to €35,000 |
| Term | 120 monthsHigher | 12 to 84 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 EUR |
| Funding time | Immediate automated approval in the ACLEDA Super App, no branch visit or paperwork | Under 8 days after contract signature (express request) |
| Loan types | Personal, Cash advance, Car, Student, BNPL, Credit line, Business, Secured | Personal, Credit line, Debt consolidation, Car, BNPL |
| Representative example | Not confirmed | Personal loan of 16,000 EUR over 60 months: 8.54% fixed TAEG (8.22% fixed nominal rate), 326.11 EUR per month, 19,566.23 EUR total due |
| 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 |
Same on both: Credit check (Hard), Rate type (Fixed), Lender type (Direct lender), Free early repayment (Yes), Use cases (Home improvement).
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Key differences
- Founded is lower at Cofidis FR: 1982 vs 1993.
- Cofidis FR is licensed in 1 more country.
- Cofidis FR is available in 1 more country.
- APR is lower at Cofidis FR: 5.43% to 8.54% vs 9% to 18%.
- Term is higher at ACLEDA Bank: 120 months vs 12 to 84 months.
- Support channels: only Cofidis FR offers Chat.
- Features: only ACLEDA Bank offers Same day funding.
- Features: only Cofidis FR offers Credit line.
- Loan types: only ACLEDA Bank offers Cash advance, Student, Business.
- Loan types: only Cofidis FR offers Debt consolidation.
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.
Cofidis FR
Cofidis is a sensible pick for anyone borrowing in France for a car, a home project or a consolidation. Fees of 0 EUR, rates of 5.43% to 8.54% and a hard credit check keep the offer clear, and free early repayment leaves room to pay it off sooner.
Score breakdown
| Area | ACLEDA Bank | Cofidis FR |
|---|---|---|
| Cost | 9.0 | 9.3Higher |
| Offer | 9.6HigherFixed pricing at 9% to 18% across 120 months with fees of 1% to 1.5% keeps the offer easy to cost. | 9.3Fees of 0 EUR, rates of 5.43% to 8.54% and terms of 12 to 84, with free early repayment. |
| Trust | 9.3 | 9.4Higher |
Choosing between them
Pick ACLEDA Bank if offer and term matter most.
Pick Cofidis FR if cost and apr matter most.
Side by side, item by item
| Loan types | ACLEDA Bank | Cofidis FR |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | No | Yes |
| Credit line | Yes | Yes |
| Secured | Yes | No |
| Car | Yes | Yes |
| Business | Yes | No |
| Student | Yes | No |
| Cash advance | Yes | No |
| BNPL | Yes | Yes |
| Use cases | ACLEDA Bank | Cofidis FR |
|---|---|---|
| Home improvement | Yes | Yes |
A third option
Prestamiau ES has apr at 0% to 36%, against 9% to 18% for ACLEDA Bank and 5.43% to 8.54% for Cofidis FR.
Prestamiau ES reviewHow they place
| Ranking | ACLEDA Bank | Cofidis FR |
|---|---|---|
| Personal loans | 286 of 1932 | 298 of 1932 |
| Car loans | 64 of 431 | 70 of 431 |
| Home improvement loans | 92 of 562 | 98 of 562 |
| Buy now, pay later | 11 of 88 | 13 of 88 |
Every fact side by side
| Fact | ACLEDA Bank | Cofidis FR |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Credit line |
| Legal entity | ACLEDA Bank Plc. | Cofidis |
| Headquarters | Cambodia | Belgium |
| Founded | 1993 | 1982Lower |
| Support channels | Phone, Email, Help centre | Phone, Email, Chat, Help centreCovers more |
Where each stands against the rest
| Fact | ACLEDA Bank | Cofidis FR | Median |
|---|---|---|---|
| APR | 9% to 18%above the median | 5.43% to 8.54%below the median | 8.99 |
| Term | 120 monthshighest quarter | 12 to 84 monthsabove the median | 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.
Cofidis FR
Pros
- No origination fee on the loans listed here, so the quoted rate is the main cost
- Fixed rate lending only, so repayments do not move with market rates
- Free early repayment, so overpaying is not penalised
Cons
- Hard credit check, so a declined application leaves an impact on the credit file
- Funding takes Under 8 days after contract signature (express request), which is slower than same day lenders
- The shortest available term is 12 to 84, so shorter borrowing is not an option
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.
Cofidis FR
Who it suits
- Borrowers in France funding a car, a home project or an existing balance
- People with a solid credit file who pass a full credit check
- Anyone who values a fixed rate and no origination fee over speed
Who should look elsewhere
- Anyone needing money the same day, since funding runs to Under 8 days after contract signature (express request)
- Applicants with thin credit, as the credit check is hard
- Monzo Flex, if you want a wider rate range at 10% to 23%
Current offers
Cofidis FR
Current offer
Bonus
Decouvrez l'offre Monabanq !: Up to 280 EUR
Offer valid for a limited period, subject to Monabanq partner conditions
Source, checked September 26, 2026
Country by country
| Country | ACLEDA Bank | Cofidis FR |
|---|---|---|
| Belgium | No | Yes |
| Cambodia | Yes | No |
| France | 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.
Cofidis FR
What does Cofidis charge for arranging a loan?+
The origination fee is 0 EUR, so nothing is added on top of the quoted rate. That makes the headline rate the main cost to compare. Early repayment is free, so finishing sooner does not attract a charge.
What rate will I pay on a Cofidis personal loan?+
Rates run 5.43% to 8.54% on a fixed basis, and the rate type is fixed rather than variable. That means the monthly amount holds for the length of the agreement. It sits below the site median of 12%.
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