Updated September 28, 2026 · BorrowCue Editorial Team
ACLEDA Bank vs EarnIn
What sets them apart
| Compare |  ACLEDA Bank |  EarnIn |
|---|---|---|
| APR | 9% to 18% | 0%Lower |
| Loan amount | KHR 400,000,000 | $0 to $1,000 |
| 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 USD (standard speed transfer fee $0; optional Lightning Speed from $3.99 per transfer) |
| Credit check | Hard | None |
| Funding time | Immediate automated approval in the ACLEDA Super App, no branch visit or paperwork | 1-3 business days at no cost, or minutes with optional Lightning Speed |
| 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 | At least 18 years old, primary residence in the United States (including U.S. territories), own a U.S. checking bank account and a valid U.S. cell phone number, consistent direct deposit pay schedule and at least $320 earned per pay period |
| Origination fee (%) | 1% to 1.5% | 0%Lower |
| Loan types | Personal, Cash advance, Car, Student, BNPL, Credit line, Business, SecuredCovers more | Cash advance |
| Term | 120 months | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | 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
- ACLEDA Bank scores higher overall: 9.3 vs 9.2.
- APR is lower at EarnIn: 0% vs 9% to 18%.
- Origination fee (%) is lower at EarnIn: 0% vs 1% to 1.5%.
- Support channels: only ACLEDA Bank offers Phone, Email.
- Support channels: only EarnIn 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.
EarnIn
EarnIn suits US earners who want a small cash advance drawn against their pay without a credit check. Its APR of 0% sits at the top of the field, and the standard transfer carries no fee, so a short advance costs close to nothing.
Score breakdown
| Area | ACLEDA Bank | EarnIn |
|---|---|---|
| Cost | 9.0 | 9.7HigherAPR of 0%, an arrangement fee that is free on a standard transfer, and 0% origination, with speed delivery charged separately. |
| Offer | 9.6HigherFixed pricing at 9% to 18% across 120 months with fees of 1% to 1.5% keeps the offer easy to cost. | 8.2 |
| Trust | 9.3Higher | 9.2 |
Where each is licensed and available
| Country | ACLEDA Bank | EarnIn |
|---|---|---|
| Cambodia | Not confirmed | |
| United States | Not confirmed |
Additional countries for ACLEDA Bank: 1. Additional countries for EarnIn: 1.
What we checked
ACLEDA Bank
- acledabank.com.kh: 20 facts, checked September 26, 2026
EarnIn
- earnin.com: 12 facts, checked September 26, 2026
- help.earnin.com: 1 fact, checked September 26, 2026
How they place
| Ranking | ACLEDA Bank | EarnIn |
|---|---|---|
| Cash advance apps | 6 of 53 | 10 of 53 |
Every fact side by side
| Fact | ACLEDA Bank | EarnIn |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | ACLEDA Bank Plc. | Activehours, Inc. (d/b/a EarnIn) |
| Headquarters | Cambodia | United States |
| Founded | 1993 | Not confirmed |
| Support channels | Phone, Email, Help centre | Chat, Help centre |
Where each stands against the rest
| Fact | ACLEDA Bank | EarnIn | 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 | 0%below the median | 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.
EarnIn
Pros
- APR of 0% against a field median of 12%, and a rank of 1
- Credit check is none, so your score is not used to decide
- Advances run to $0 to $1,000, which covers rent, repairs or a car bill
Cons
- The account cap of $0 to $1,000 is small against a field median of €876.96
- The faster delivery is a paid upgrade on top of the free standard transfer
- Eligibility is tied to a consistent direct deposit pay schedule and a set amount earned per pay period
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.
EarnIn
Who it suits
- US workers paid by direct deposit who need a small advance before their next payday
- People with thin credit files who want a decision without a credit check
- Borrowers who can clear the advance on their next paycheque
Who should look elsewhere
- Anyone needing a larger sum, since the account stops at $0 to $1,000
- Brigit, if you want a similar app with a lower cap, at $25 to $500
- Exim Bank Djibouti, whose school loan runs to up to DJF 300,000 but serves a different market
Country by country
| Country | ACLEDA Bank | EarnIn |
|---|---|---|
| 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.
EarnIn
What does an advance from EarnIn cost?+
The APR is 0%, and the arrangement fee is free on a standard speed transfer. The origination fee is 0%. In practice an advance cleared on the ordinary schedule costs very little, and the only charge appears if you pay for the optional faster delivery.
How much can I borrow with EarnIn?+
The account runs to $0 to $1,000, so the cap is modest. That is a good fit for rent, a car repair or a bill between paycheques, and it is well below the €876.96 field median, so it is not a route to consolidating larger debts.
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