Updated September 30, 2026 · BorrowCue Editorial Team
ACLEDA Bank vs Klover
Where ACLEDA Bank and Klover differ
| Compare |  ACLEDA Bank |  Klover |
|---|---|---|
| Loan amount | KHR 400,000,000 | $25 to $750 |
| Arrangement fee | 1% of loan amount (Salary Loan); 1.5% of the loan amount, minimum KHR 8,000 or USD 2 (Advance Salary Loan) | Standard free, express fee up to $37.49 |
| Credit check | Hard | None |
| Funding time | Immediate automated approval in the ACLEDA Super App, no branch visit or paperwork | Minutes with express, 1-2 days standard |
| 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 | US resident of legal age |
| Loan types | Personal, Cash advance, Car, Student, BNPL, Credit line, Business, SecuredCovers more | Cash advance |
| Credit needed | Fair | Poor |
| APR | 9% to 18% | Not confirmed |
| Term | 120 months | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 1% to 1.5% | 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 8.6.
- Founded is lower at ACLEDA Bank: 1993 vs 2019.
- Support channels: only ACLEDA Bank offers Phone.
- 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.
Klover
Klover suits US adults with poor credit seeking a small cash advance without a credit check. Advances of $25 to $750 keep the focus on short gaps in pay, with standard transfers free and express delivery available at added cost.
Score breakdown
| Area | ACLEDA Bank | Klover |
|---|---|---|
| Cost | 9.0 | Not confirmed |
| Offer | 9.6HigherFixed pricing at 9% to 18% across 120 months with fees of 1% to 1.5% keeps the offer easy to cost. | 8.3Focused cash advance range shown by cash advance with standard free pricing. |
| Trust | 9.3Higher | 8.8Operating history shown by 2019 with help via email and help centre. |
How they place
| Ranking | ACLEDA Bank | Klover |
|---|---|---|
| Loans for bad credit | 82 of 275 | 73 of 275 |
| Cash advance apps | 6 of 53 | 4 of 53 |
Side by side, item by item
| Loan types | ACLEDA Bank | Klover |
|---|---|---|
| Personal | Yes | No |
| Credit line | Yes | No |
| Secured | Yes | No |
| Car | Yes | No |
| Business | Yes | No |
| Student | Yes | No |
| Cash advance | Yes | Yes |
| BNPL | Yes | No |
Licences and countries
| Country | ACLEDA Bank | Klover |
|---|---|---|
| Cambodia | Not confirmed |
Additional countries for ACLEDA Bank: 1. Additional countries for Klover: 1.
Every fact side by side
| Fact | ACLEDA Bank | Klover |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | ACLEDA Bank Plc. | Klover Holdings, Inc. |
| Headquarters | Cambodia | Not confirmed |
| Founded | 1993Lower | 2019 |
| Support channels | Phone, Email, Help centreCovers more | Email, Help centre |
Where each stands against the rest
| Fact | ACLEDA Bank | Klover | Median |
|---|---|---|---|
| APR | 9% to 18%above the median | Not confirmed | 8.99 |
| Term | 120 monthshighest quarter | Not confirmed | 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.
Klover
Pros
- No credit check at none, which helps borrowers with poor credit histories avoid added searches.
- Standard transfers carry no added charge within fees of Standard free, express fee up to $37.49, keeping planned advances low cost.
- Express option with same day funding suits urgent gaps where standard bank timing would be too slow.
Cons
- Advance limits stay modest at $25 to $750, which suits gaps in pay rather than larger planned spend.
- Support runs on email and help centre only, which may feel limited for borrowers wanting phone help.
- Faster access carries cost since fees run Standard free, express fee up to $37.49, while standard transfers arrive later.
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.
Klover
Who it suits
- Adults in the US with poor credit seeking a small advance without a hard search.
- Borrowers able to wait for standard delivery or pay for faster funding when timing matters.
Who should look elsewhere
- Borrowers needing larger instalment loans should consider Ibancar Prestamos for higher limits rather than small advances.
- Borrowers wanting card credit should consider AXI Card Tarjeta y Credito for card based limits rather than app advances.
- Borrowers seeking broader European loan choice should consider Cashspace for its wider amount range.
Current offers
Klover
Current offer
Free trial
Klover+ 30-day free trial: 30 days free
When you first create a Klover account
Source, checked September 30, 2026
Country by country
| Country | ACLEDA Bank | Klover |
|---|---|---|
| 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.
Klover
How much can be borrowed from Klover?+
Klover lists advances of $25 to $750 for cash advance use. The structure suits small shortfalls rather than larger planned borrowing, and limits may rise with use and eligibility. Check the app for the current offer before relying on a particular sum.
Does Klover run a credit check?+
Klover states that there is no credit check, shown by none. That approach helps borrowers with poor credit histories seek a small advance. Approval still depends on eligibility and account checks, so acceptance is never assured.
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