Updated September 28, 2026 · BorrowCue Editorial Team
ACLEDA Bank vs Izwe Zambia
ACLEDA Bank vs Izwe Zambia: the differences
| Compare |  ACLEDA Bank |  Izwe Zambia |
|---|---|---|
| Loan amount | KHR 400,000,000 | ZMW 150,000 |
| Term | 120 monthsHigher | 60 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 ZMW |
| Funding time | Immediate automated approval in the ACLEDA Super App, no branch visit or paperwork | Within 24 hours of approval, paid via EFT |
| Free early repayment | YesHas it | No |
| 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 | Permanently employed Zambian government employees, Zambia Air Force (ZAF) and Zambia National Service (ZNS), plus private sector employees; salary advances require banking with Absa, Atlas Mara, Indo, Natsave or Zanaco |
| Origination fee (%) | 1% to 1.5% | 0%Lower |
| Loan types | Personal, Cash advance, Car, Student, BNPL, Credit line, Business, Secured | Personal, Payday, Cash advance, Secured, Car, Business |
| APR | 9% to 18% | Not confirmed |
| Credit check | Hard | Not confirmed |
| Credit needed | Fair | Not confirmed |
Same on both: Rate type (Fixed), Lender type (Direct lender), Use cases (Home improvement).
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Key differences
- ACLEDA Bank scores higher overall: 9.3 vs 9.2.
- Founded is lower at ACLEDA Bank: 1993 vs 2008.
- Free early repayment: only ACLEDA Bank.
- Origination fee (%) is lower at Izwe Zambia: 0% vs 1% to 1.5%.
- Term is higher at ACLEDA Bank: 120 months vs 60 months.
- Support channels: only Izwe Zambia offers Chat.
- Loan types: only ACLEDA Bank offers Student, BNPL, Credit line.
- Loan types: only Izwe Zambia offers Payday.
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.
Izwe Zambia
Izwe Zambia lends directly in Zambia, with personal loans up to ZMW 150,000 on fixed rates. It suits permanently employed government, Air Force, National Service and private sector staff, and money lands Within 24 hours of approval, paid via EFT.
Score breakdown
| Area | ACLEDA Bank | Izwe Zambia |
|---|---|---|
| Cost | 9.0Higher | 8.9Arrangement fee 0 ZMW and product fee ZMW 0 on personal loans, with fixed pricing fixed. |
| Offer | 9.6Fixed pricing at 9% to 18% across 120 months with fees of 1% to 1.5% keeps the offer easy to cost. | 9.8Higher |
| Trust | 9.3Higher | 9.1 |
Side by side, item by item
| Loan types | ACLEDA Bank | Izwe Zambia |
|---|---|---|
| Personal | Yes | Yes |
| Payday | No | Yes |
| Credit line | Yes | No |
| Secured | Yes | Yes |
| Car | Yes | Yes |
| Business | Yes | Yes |
| Student | Yes | No |
| Cash advance | Yes | Yes |
| BNPL | Yes | No |
| Use cases | ACLEDA Bank | Izwe Zambia |
|---|---|---|
| Home improvement | Yes | Yes |
How they place
| Ranking | ACLEDA Bank | Izwe Zambia |
|---|---|---|
| Personal loans | 286 of 1932 | 418 of 1932 |
| Secured loans | 51 of 472 | 101 of 472 |
| Car loans | 64 of 431 | 114 of 431 |
| Business loans | 52 of 435 | 88 of 435 |
| Home improvement loans | 92 of 562 | 164 of 562 |
| Cash advance apps | 6 of 53 | 9 of 53 |
Availability and regulation
| Country | ACLEDA Bank | Izwe Zambia |
|---|---|---|
| Cambodia | Not confirmed | |
| Zambia | Not confirmed |
Additional countries for ACLEDA Bank: 1. Additional countries for Izwe Zambia: 1.
Every fact side by side
| Fact | ACLEDA Bank | Izwe Zambia |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | ACLEDA Bank Plc. | Izwe Loans Zambia PLC |
| Headquarters | Cambodia | Zambia |
| Founded | 1993Lower | 2008 |
| Support channels | Phone, Email, Help centre | Email, Phone, Help centre, ChatCovers more |
Mortgages
| Fact | ACLEDA Bank | Izwe Zambia |
|---|---|---|
| Fixed period | Not confirmed | 5 years |
| Product fee | Not confirmed | ZMW 0 |
| Purpose | Not confirmed | Equity release |
Where each stands against the rest
| Fact | ACLEDA Bank | Izwe Zambia | Median |
|---|---|---|---|
| APR | 9% to 18%above the median | Not confirmed | 8.99 |
| Term | 120 monthshighest quarter | 60 monthsat the median | 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.
Izwe Zambia
Pros
- Arrangement fee 0 ZMW and product fee ZMW 0 on personal loans, so no upfront charge to weigh
- Direct lender direct lender under the Bank of Zambia, with the legal entity Izwe Loans Zambia PLC
- Funding Within 24 hours of approval, paid via EFT, and same day funding same day funding is listed on personal loans
Cons
- Free early repayment is no, so settling the loan early carries a cost
- Eligibility is narrow: permanently employed government, ZAF and ZNS staff plus private sector employees
- Salary advances need banking with Absa, Atlas Mara, Indo, Natsave or Zanaco
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.
Izwe Zambia
Who it suits
- Borrowers after personal, payday, cash advance, secured, car or business lending, personal, payday and cash advance
- People who want the money paid into their bank account by EFT, Within 24 hours of approval, paid via EFT
Who should look elsewhere
- Self-employed or contract workers outside the listed employers
- Anyone planning to repay early, since free early repayment is no
- Borrowers needing loan types outside personal, payday and cash advance
Country by country
| Country | ACLEDA Bank | Izwe Zambia |
|---|---|---|
| Cambodia | Yes | No |
| Zambia | 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.
Izwe Zambia
What does Izwe Zambia charge in fees?+
On personal loans the arrangement fee is 0 ZMW and the product fee is ZMW 0. Interest is charged on a fixed rate, fixed, so your repayments do not move with the market. Repaying early is not free, so the cost of settling up front is worth checking before you apply.
How much can I borrow and for how long?+
Loans run up to ZMW 150,000, over a term of 60. The range covers personal, payday, cash advance, secured, car and business lending, personal, payday and cash advance. The personal loan pages also list home improvement as a use, home improvement, and landed property borrowing is an equity release product, equity release.
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