Updated September 28, 2026 · BorrowCue Editorial Team
ACLEDA Bank vs Deema
Where ACLEDA Bank and Deema differ
| Compare |  ACLEDA Bank |  Deema |
|---|---|---|
| APR | 9% to 18% | 0%Lower |
| Term | 120 monthsHigher | 3 to 4 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 KWD |
| Loan types | Personal, Cash advance, Car, Student, BNPL, Credit line, Business, SecuredCovers more | BNPL |
| Loan amount | KHR 400,000,000 | Not confirmed |
| Credit check | Hard | Not confirmed |
| Funding time | Immediate automated approval in the ACLEDA Super App, no branch visit or paperwork | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | 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: Lender type (Direct lender).
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Key differences
- APR is lower at Deema: 0% vs 9% to 18%.
- Term is higher at ACLEDA Bank: 120 months vs 3 to 4 months.
- Support channels: only ACLEDA Bank offers Help centre.
- 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.
Deema
Deema is a direct lender in KW built for one job: letting shoppers spread a purchase over 3 to 4 and clear it quickly. It suits buyers who want a short, self contained plan, and it will not suit anyone borrowing for larger or longer needs.
Score breakdown
| Area | ACLEDA Bank | Deema |
|---|---|---|
| Cost | 9.0 | 9.9HigherAPR of 0% and an origination fee of 0 KWD mean a plan that is cleared in full carries nothing extra. |
| Offer | 9.6HigherFixed pricing at 9% to 18% across 120 months with fees of 1% to 1.5% keeps the offer easy to cost. | 8.5 |
| Trust | 9.3Higher | 9.2 |
What each covers
| Loan types | ACLEDA Bank | Deema |
|---|---|---|
| Personal | Yes | No |
| Credit line | Yes | No |
| 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% for Deema.
FINANZCHECK.de reviewHow they place
| Ranking | ACLEDA Bank | Deema |
|---|---|---|
| Buy now, pay later | 11 of 88 | 14 of 88 |
Every fact side by side
| Fact | ACLEDA Bank | Deema |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Not confirmed |
| Legal entity | ACLEDA Bank Plc. | DEEMA COMPANY FOR COMPUTER PROGRAMMING ACTIVITIES WLL |
| Headquarters | Cambodia | Kuwait |
| Founded | 1993 | Not confirmed |
| Support channels | Phone, Email, Help centreCovers more | Email, Phone |
Where each stands against the rest
| Fact | ACLEDA Bank | Deema | Median |
|---|---|---|---|
| APR | 9% to 18%above the median | 0%lowest quarter | 8.99 |
| Term | 120 monthshighest quarter | 3 to 4 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.
Deema
Pros
- Terms of 3 to 4 keep the plan short and easy to clear
- Deema is a direct lender, so the same company funds the purchase and collects the instalments
- Help is available by email and phone for a question or a failed payment
Cons
- Repayment terms of 3 to 4 leave little slack if a payment date slips
- Support runs on email and phone only, so help depends on those routes
- Deema covers bnpl only, so it is not a place to borrow over a longer stretch
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.
Deema
Who it suits
- Shoppers in KW splitting a checkout purchase rather than covering an existing bill
- Borrowers who want to clear a short plan quickly and avoid an origination fee
- People who would rather the lender handled the whole plan itself than a broker
Who should look elsewhere
- Solcredito MX, if you want a borrowing window far longer than 3 to 4 and can work with an APR of 9.5% to 3,696%
- Kviku, whose terms of 2 to 12 suit a longer repayment stretch than the 3 to 4 here
- Oney Préstamos ES, which opens a loan with 3% of financed capital (apertura) and fits a longer loan market
Country by country
| Country | ACLEDA Bank | Deema |
|---|---|---|
| Cambodia | Yes | No |
| Kuwait | 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.
Deema
What does a Deema plan cost?+
A Deema plan carries an APR of 0% and an origination fee of 0 KWD. Over terms of 3 to 4, a plan that is opened and cleared in full adds nothing to the purchase price. Check the order total and the instalment dates before you commit.
How long do I have to repay a Deema plan?+
Terms run 3 to 4, so the amount is owed quickly and in a small number of instalments. That short window is the trade-off for the 0% APR. Check the due dates against the days the shop expects payment.
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