Updated September 28, 2026 · BorrowCue Editorial Team
ACLEDA Bank vs KiwiCredito
Where ACLEDA Bank and KiwiCredito differ
| Compare |  ACLEDA Bank |  KiwiCredito |
|---|---|---|
| APR | 9% to 18% | 0% to 35%Lower |
| Loan amount | KHR 400,000,000 | $150 to $3,000 |
| Term | 120 monthsHigher | 4 to 24 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 USD (no opening fees) |
| Credit check | Hard | Soft prequal |
| Funding time | Immediate automated approval in the ACLEDA Super App, no branch visit or paperwork | 1-3 business days after approval |
| 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 | 18 or older (21 or older in Puerto Rico), US resident in a licensed state, valid bank account and official ID |
| Loan types | Personal, Cash advance, Car, Student, BNPL, Credit line, Business, SecuredCovers more | Personal, Credit line, BNPL |
| Representative example | Not confirmed | Kiwi Pay: $1,000 loan, 12-month term, 30% APR, $96.15 monthly, $1,153.80 total repaid |
| Rate type | Fixed | 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), Free early repayment (Yes).
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Key differences
- KiwiCredito is licensed in 1 more country.
- KiwiCredito is available in 2 more countries.
- APR is lower at KiwiCredito: 0% to 35% vs 9% to 18%.
- Term is higher at ACLEDA Bank: 120 months vs 4 to 24 months.
- Support channels: only KiwiCredito offers Chat.
- Features: only ACLEDA Bank offers Same day funding.
- Features: only KiwiCredito offers Credit line.
- Loan types: only ACLEDA Bank offers Cash advance, 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.
KiwiCredito
KiwiCredito is a direct lender for US borrowers in licensed states who want a small personal loan or credit line without opening fees. Its APR of 0% to 35% sits well above the site median of 12%, and the top rate is where cost bites hardest.
Score breakdown
| Area | ACLEDA Bank | KiwiCredito |
|---|---|---|
| Cost | 9.0 | 9.5Higher |
| Offer | 9.6HigherFixed pricing at 9% to 18% across 120 months with fees of 1% to 1.5% keeps the offer easy to cost. | 9.0Fees of 0 USD (no opening fees) and rates of 0% to 35% on amounts of $150 to $3,000 over terms of 4 to 24. |
| Trust | 9.3Higher | 9.2 |
From lowest to highest
| Fact | ACLEDA Bank | KiwiCredito |
|---|---|---|
| APR | 9% to 18% | 0% to 35% |
Where they rank in our lists
| Ranking | ACLEDA Bank | KiwiCredito |
|---|---|---|
| Personal loans | 286 of 1932 | 318 of 1932 |
| Buy now, pay later | 11 of 88 | 15 of 88 |
Also worth a look
FINANZCHECK.de has apr at -0.4% to 19.9%, against 9% to 18% for ACLEDA Bank and 0% to 35% for KiwiCredito.
FINANZCHECK.de reviewWhat we checked
ACLEDA Bank
- acledabank.com.kh: 20 facts, checked September 26, 2026
KiwiCredito
- kiwicredito.com: 15 facts, checked September 26, 2026
Every fact side by side
| Fact | ACLEDA Bank | KiwiCredito |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Credit line |
| Legal entity | ACLEDA Bank Plc. | Kiwi Financial Group Inc. |
| Headquarters | Cambodia | Puerto Rico |
| Founded | 1993 | Not confirmed |
| Support channels | Phone, Email, Help centre | Chat, Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | ACLEDA Bank | KiwiCredito | Median |
|---|---|---|---|
| APR | 9% to 18%above the median | 0% to 35%lowest quarter | 8.99 |
| Term | 120 monthshighest quarter | 4 to 24 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.
KiwiCredito
Pros
- No opening fees: 0 USD (no opening fees) on personal loans and credit lines
- A credit line is available alongside fixed-sum personal loans and buy now pay later
- Early repayment is free, so clearing the balance early costs nothing extra
Cons
- Rates reach 0% to 35%, above the site median of 12%
- Borrowing is capped at $150 to $3,000, well under the site median of €876.96
- Funding takes 1-3 business days after approval, slower than the 82.9% share of lenders
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.
KiwiCredito
Who it suits
- Adults in US states where KiwiCredito holds a lending licence
- Borrowers who want a credit line and a small personal loan from the same lender
- People who can clear the balance early and want no opening fee
Who should look elsewhere
- Borrowers after a long low-rate term, since terms run 4 to 24
- Anyone needing a large sum, as amounts stop at $150 to $3,000
- Borrowers who need money in a hurry, since funding lands 1-3 business days after approval
Current offers
KiwiCredito
Current offer
Bonus
Kiwi Pay 90-Day Interest Waiver (Interest-Free Months): All accrued interest waived if the borrower stays current and pays the balance in full within 90 days of origination
Available only through participating merchants; not all Kiwi Pay loans qualify; interest accrues at the standard contracted rate during the term; does not modify the loan agreement, TILA disclosure or APR
Source, checked September 26, 2026
Country by country
| Country | ACLEDA Bank | KiwiCredito |
|---|---|---|
| Cambodia | Yes | No |
| Macao | No | Yes |
| Puerto Rico | No | Yes |
| 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.
KiwiCredito
What APR does KiwiCredito charge?+
Rates run at 0% to 35%. That band is wide, so the cost depends on your file. For comparison, the median across the site is 12%, and the top quartile of lenders sits at 24.92%.
How much can I borrow?+
Amounts run $150 to $3,000. That is small next to the site median of €876.96, and the top quartile of lenders reaches €3,100.39. KiwiCredito suits short, modest sums rather than large projects.
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