Updated September 28, 2026 · BorrowCue Editorial Team
ACLEDA Bank vs KOHO
What sets them apart
| Compare |  ACLEDA Bank |  KOHO |
|---|---|---|
| APR | 9% to 18%Lower | 19.9% to 34.9% |
| Loan amount | KHR 400,000,000 | CA$1,000 to CA$15,000 |
| Credit check | Hard | Soft prequal |
| Funding time | Immediate automated approval in the ACLEDA Super App, no branch visit or paperwork | Funds deposited into your bank account the same business day |
| Lender type | Direct lender | Broker |
| 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 | KOHO members residing in Alberta, Ontario, New Brunswick, Saskatchewan, Nova Scotia and British Columbia; Government ID and bank account information required to verify income |
| Loan types | Personal, Cash advance, Car, Student, BNPL, Credit line, Business, SecuredCovers more | Personal, Credit line, BNPL |
| Term | 120 months | Not confirmed |
| 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 |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 1% to 1.5% | Not confirmed |
| Credit needed | Fair | Not confirmed |
Same on both: Use cases (Home improvement).
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Key differences
- ACLEDA Bank scores higher overall: 9.3 vs 8.6.
- APR is lower at ACLEDA Bank: 9% to 18% vs 19.9% to 34.9%.
- Support channels: only ACLEDA Bank offers Email.
- Support channels: only KOHO offers Chat.
- Features: only KOHO 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.
KOHO
KOHO is a Canadian broker for members who want a reusable credit line rather than a one-off loan, with prequalification that leaves no hard credit search on file. Its apr of 19.9% to 34.9% on amounts of CAD 1,000 to CAD 15,000 sits well above the 10.5% typical for the wider market.
Score breakdown
| Area | ACLEDA Bank | KOHO |
|---|---|---|
| Cost | 9.0Higher | 8.5 |
| Offer | 9.6HigherFixed pricing at 9% to 18% across 120 months with fees of 1% to 1.5% keeps the offer easy to cost. | 9.2A soft prequal check, a credit line and Funds deposited into your bank account the same business day. |
| Trust | 9.3Higher | 8.3 |
Where each is licensed and available
| Country | ACLEDA Bank | KOHO |
|---|---|---|
| Cambodia | Not confirmed |
Additional countries for ACLEDA Bank: 1. Additional countries for KOHO: 1.
Side by side, item by item
| Loan types | ACLEDA Bank | KOHO |
|---|---|---|
| Personal | Yes | Yes |
| Credit line | Yes | Yes |
| Secured | Yes | No |
| Car | Yes | No |
| Business | Yes | No |
| Student | Yes | No |
| Cash advance | Yes | No |
| BNPL | Yes | Yes |
| Use cases | ACLEDA Bank | KOHO |
|---|---|---|
| Home improvement | Yes | Yes |
How they place
| Ranking | ACLEDA Bank | KOHO |
|---|---|---|
| Personal loans | 286 of 1932 | 132 of 1932 |
| Home improvement loans | 92 of 562 | 61 of 562 |
| Buy now, pay later | 11 of 88 | 6 of 88 |
What we checked
ACLEDA Bank
- acledabank.com.kh: 20 facts, checked September 26, 2026
KOHO
- koho.ca: 12 facts, checked September 26, 2026
Every fact side by side
| Fact | ACLEDA Bank | KOHO |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding, Credit lineCovers more |
| Legal entity | ACLEDA Bank Plc. | KOHO Financial Inc. |
| Headquarters | Cambodia | Canada |
| Founded | 1993 | Not confirmed |
| Support channels | Phone, Email, Help centre | Chat, Phone, Help centre |
Where each stands against the rest
| Fact | ACLEDA Bank | KOHO | Median |
|---|---|---|---|
| APR | 9% to 18%above the median | 19.9% to 34.9%highest quarter | 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.
KOHO
Pros
- Apr of 19.9% to 34.9% on amounts of CAD 1,000 to CAD 15,000 for the credit line
- A soft prequalification, so a credit check does not follow the first enquiry
- Funds deposited into your bank account the same business day
Cons
- Apr reaches 19.9% to 34.9% at the top of the range, above the 20% many rivals sit at
- Membership is limited to residents of Alberta, Ontario, New Brunswick, Saskatchewan, Nova Scotia and British Columbia
- Support runs on chat, phone and help centre
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.
KOHO
Who it suits
- Members in the provinces listed who are funding home improvement work
- Borrowers who expect to draw more than once rather than take a single loan
- People who want to see an offer before committing to a full credit check
Who should look elsewhere
- Anyone outside the listed provinces, who cannot open the account
- Borrowers chasing the lowest rate, since the top of the range is steep against the 20% mark
- Readers who prefer a direct lender, since KOHO sits in the broker minority on the site at 20.6%
Current offers
KOHO
Current offer
Country by country
| Country | ACLEDA Bank | KOHO |
|---|---|---|
| Cambodia | Yes | No |
| Canada | 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.
KOHO
What apr does KOHO charge on its credit line?+
The line of credit runs at an apr of 19.9% to 34.9%. That is well above the 10.5% recorded across credit lines on the site, so it pays to compare before you accept. The rate you are offered depends on your own profile.
How much can I borrow from KOHO?+
Borrowers can take CAD 1,000 to CAD 15,000 on the line of credit. That sits above the €885.74 typical amount in this category, which is useful if the work is more than a quick repair. Drawdowns come out of the limit rather than opening a new agreement.
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