Updated September 28, 2026 · BorrowCue Editorial Team
ACLEDA Bank vs Dave
What sets them apart
| Compare |  ACLEDA Bank |  Dave |
|---|---|---|
| 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) | Overdraft fee equal to the greater of $5 or 5% per ExtraCash overdraft; optional 1.5% fee for external debit card transfers |
| Credit check | Hard | None |
| Funding time | Immediate automated approval in the ACLEDA Super App, no branch visit or paperwork | Typically authorized within 5 minutes |
| 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 members with a Social Security Number and a linked bank account; must open an ExtraCash overdraft deposit account and a Dave Checking account; not all members qualify |
| Origination fee (%) | 1% to 1.5%Lower | 5% |
| Loan types | Personal, Cash advance, Car, Student, BNPL, Credit line, Business, SecuredCovers more | Cash advance |
| Credit needed | Fair | Poor |
| Term | 120 months | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Lender type (Direct lender), Free early repayment (Yes).
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Key differences
- ACLEDA Bank scores higher overall: 9.3 vs 9.1.
- APR is lower at Dave: 0% vs 9% to 18%.
- Origination fee (%) is lower at ACLEDA Bank: 1% to 1.5% vs 5%.
- Support channels: only Dave offers Chat.
- Loan types: only ACLEDA Bank offers Personal, Car, Student.
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.
Dave
Dave suits US members who need a small advance with no credit check. ExtraCash overdrafts run $25 to $500 at an APR of 0%, typically authorised Typically authorized within 5 minutes. Each overdraft carries a fee set at the greater of a flat charge or 5% of the amount.
Score breakdown
| Area | ACLEDA Bank | Dave |
|---|---|---|
| Cost | 9.0 | 9.1HigherAPR of 0% keeps interest at nothing, but each overdraft costs the greater of a flat charge or 5% of the amount. |
| 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 | Dave |
|---|---|---|
| Personal | Yes | No |
| Credit line | Yes | No |
| Secured | Yes | No |
| Car | Yes | No |
| Business | Yes | No |
| Student | Yes | No |
| Cash advance | Yes | Yes |
| BNPL | Yes | No |
Where each is licensed and available
| Country | ACLEDA Bank | Dave |
|---|---|---|
| Cambodia | Not confirmed | |
| United States | Not confirmed |
Additional countries for ACLEDA Bank: 1. Additional countries for Dave: 1.
A third option
FINANZCHECK.de has apr at -0.4% to 19.9%, against 9% to 18% for ACLEDA Bank and 0% for Dave.
FINANZCHECK.de reviewWhat we checked
ACLEDA Bank
- acledabank.com.kh: 20 facts, checked September 26, 2026
Dave
- dave.com: 15 facts, checked September 26, 2026
How they place
| Ranking | ACLEDA Bank | Dave |
|---|---|---|
| Loans for bad credit | 82 of 275 | 114 of 275 |
| Cash advance apps | 6 of 53 | 13 of 53 |
Every fact side by side
| Fact | ACLEDA Bank | Dave |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | ACLEDA Bank Plc. | Dave Operating LLC |
| Headquarters | Cambodia | United States |
| Founded | 1993 | Not confirmed |
| Support channels | Phone, Email, Help centre | Help centre, Chat, Phone, EmailCovers more |
Where each stands against the rest
| Fact | ACLEDA Bank | Dave | 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 | 5%highest quarter | 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.
Dave
Pros
- No credit check: the listed credit check is none, so a poor credit file is not the obstacle.
- An APR of 0%, so the cost is carried by the overdraft fee rather than interest.
- Same-day funding: same day funding, with authorisation typically Typically authorized within 5 minutes.
Cons
- Overdraft fee on every advance: the greater of a flat charge or 5% of each overdraft, plus an optional percentage fee on external debit card transfers.
- Approval is not automatic: eligibility needs a US Social Security Number, a linked bank account, an open ExtraCash overdraft account and a Dave Checking account.
- Advances stop at $25 to $500, well under the €346.97 typically borrowed in the bad-credit category.
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.
Dave
Who it suits
- US members with poor credit who want an advance with no credit check.
- Members ready to bank through Dave, since the advance requires both an ExtraCash overdraft account and a Dave Checking account.
- Anyone covering a short gap, given the $25 to $500 limit.
Who should look elsewhere
- Creduma ES, for anyone borrowing a larger sum, since its amounts start at from €12,000.
- Cashspace, for members who prefer a stated APR of PHP 12 to PHP 36 over a fee-based overdraft.
- Sofkredit, for members who want a stated rate of 10.74% to 18.06% and a term loan rather than a cash advance.
Country by country
| Country | ACLEDA Bank | Dave |
|---|---|---|
| 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.
Dave
How much does an ExtraCash advance cost?+
The advance itself carries an APR of 0%, so the charge is the overdraft fee rather than interest. That fee is set at the greater of a flat amount or 5% of each overdraft, and an optional percentage fee also applies when the money is transferred to an external debit card.
How quickly does the money arrive?+
Authorisation is typically quick: Typically authorized within 5 minutes, and same day funding is listed among the product's features. The advance reaches the linked bank account and behaves like an overdraft, so the balance sits on the account until it is repaid rather than arriving with a separate bill.
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