Updated September 28, 2026 · BorrowCue Editorial Team
ACLEDA Bank vs Exim Bank Djibouti
Where ACLEDA Bank and Exim Bank Djibouti differ
| Compare |  ACLEDA Bank |  Exim Bank Djibouti |
|---|---|---|
| APR | 9% to 18% | 0%Lower |
| Loan amount | KHR 400,000,000 | up to DJF 300,000 |
| Term | 120 monthsHigher | 10 months |
| Funding time | Immediate automated approval in the ACLEDA Super App, no branch visit or paperwork | Application response within 48h (Prete Scolaire) |
| 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 | Open to all eligible customers, no guarantor required; application form asks for NIDA, nationality and a current account (Compte Salaires, Compte Epargne or Diaspora Account) |
| Loan types | Personal, Cash advance, Car, Student, BNPL, Credit line, Business, SecuredCovers more | Personal, Student, Car, Cash advance, Secured |
| Arrangement fee | 1% of loan amount (Salary Loan); 1.5% of the loan amount, minimum KHR 8,000 or USD 2 (Advance Salary Loan) | Not confirmed |
| Credit check | Hard | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | 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
- Founded is lower at ACLEDA Bank: 1993 vs 2011.
- APR is lower at Exim Bank Djibouti: 0% vs 9% to 18%.
- Term is higher at ACLEDA Bank: 120 months vs 10 months.
- Loan types: only ACLEDA Bank offers BNPL, Credit line, Business.
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.
Exim Bank Djibouti
Exim Bank Djibouti suits borrowers in Djibouti who keep a salary, savings or Diaspora account and want personal, student, car, secured or cash advance lending straight from a bank. The student loan alone runs at an APR of 0%, which ranks it 1 on APR out of 350 brands compared here.
Score breakdown
| Area | ACLEDA Bank | Exim Bank Djibouti |
|---|---|---|
| Cost | 9.0 | 9.9HigherStudent loan APR of 0%, ranking 1 on APR out of 350 brands, on a tight 10 month term. |
| Offer | 9.6HigherFixed pricing at 9% to 18% across 120 months with fees of 1% to 1.5% keeps the offer easy to cost. | 9.1 |
| Trust | 9.3Higher | 9.0 |
Availability and regulation
| Country | ACLEDA Bank | Exim Bank Djibouti |
|---|---|---|
| Cambodia | Not confirmed |
Additional countries for ACLEDA Bank: 1. Additional countries for Exim Bank Djibouti: 1.
Also worth a look
FINANZCHECK.de has apr at -0.4% to 19.9%, against 9% to 18% for ACLEDA Bank and 0% for Exim Bank Djibouti.
FINANZCHECK.de reviewHow they place
| Ranking | ACLEDA Bank | Exim Bank Djibouti |
|---|---|---|
| Personal loans | 286 of 1932 | 322 of 1932 |
| Secured loans | 51 of 472 | 60 of 472 |
| Car loans | 64 of 431 | 76 of 431 |
| Private student loans | 25 of 167 | 29 of 167 |
| Cash advance apps | 6 of 53 | 7 of 53 |
Every fact side by side
| Fact | ACLEDA Bank | Exim Bank Djibouti |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Not confirmed |
| Legal entity | ACLEDA Bank Plc. | Exim Bank Djibouti SA |
| Headquarters | Cambodia | Djibouti |
| Founded | 1993Lower | 2011 |
| Support channels | Phone, Email, Help centre | Phone, Email, Help centre |
Where each stands against the rest
| Fact | ACLEDA Bank | Exim Bank Djibouti | Median |
|---|---|---|---|
| APR | 9% to 18%above the median | 0%lowest quarter | 8.99 |
| Term | 120 monthshighest quarter | 10 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.
Exim Bank Djibouti
Pros
- Student loan priced at an APR of 0%, ranking 1 on APR out of 350 brands compared.
- A direct lender offering personal, student and car rather than routing a request to a broker.
- Student loan applications get a response within Application response within 48h (Prete Scolaire).
Cons
- Repaying the student loan runs 10 months, well under the 60 upper end on this site.
- Applicants need a salary, savings or Diaspora account at the bank before a loan is considered.
- The student loan ceiling of up to DJF 300,000 is modest next to the €3,100.39 top end of the market.
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.
Exim Bank Djibouti
Who it suits
- Existing salary, savings or Diaspora account holders in Djibouti who want to deal with the bank that lends the money.
- Students and families covering school costs who can manage a short repayment period.
- Readers shopping mainly on rate, since the student loan APR is the strongest number here.
Who should look elsewhere
- Borrowers who need longer than 10 months to repay: Monzo Flex is a personal loan lender to compare on term.
- Readers wanting a larger euro line rather than a Djibouti franc student loan: Cashspace ES lends €100 to €5,000.
- Borrowers who want a published rate band instead of a single number: Cashspace lists an APR of PHP 12 to PHP 36.
Country by country
| Country | ACLEDA Bank | Exim Bank Djibouti |
|---|---|---|
| Cambodia | Yes | No |
| Djibouti | 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.
Exim Bank Djibouti
What does the student loan cost?+
The student loan is priced at an APR of 0%, and that figure decides what a borrower hands back in total. It ranks the bank 1 on APR among the 350 brands compared on the site, so the cost of this product sits at the cheap end of the field.
How much can I borrow on the student loan?+
The borrowing ceiling on the student loan is up to DJF 300,000. The personal, student and car list shows the same bank also offers personal, car, secured and cash advance loans, so ask which ceiling applies to the product you actually want rather than assuming it carries over.
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