Updated September 28, 2026 · BorrowCue Editorial Team
ACLEDA Bank vs Kredivo
Where ACLEDA Bank and Kredivo differ
| Compare |  ACLEDA Bank |  Kredivo |
|---|---|---|
| APR | 9% to 18% | 0% to 41.51%Lower |
| Loan amount | KHR 400,000,000 | IDR 1,000,000 to IDR 50,000,000 |
| Term | 120 monthsHigher | 1 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 for 1-month and 3/6/9/12/18/24-month installment tenors; 6% of the loan on KrediFazz cash loans |
| Funding time | Immediate automated approval in the ACLEDA Super App, no branch visit or paperwork | Application in 5 minutes, account decision within 1x24 hours |
| 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 | Indonesian citizens aged 18 to 60, domiciled in Indonesia, minimum monthly income IDR 3,000,000 |
| Origination fee (%) | 1% to 1.5% | 0%Lower |
| Loan types | Personal, Cash advance, Car, Student, BNPL, Credit line, Business, SecuredCovers more | BNPL, Personal, Credit line |
| Representative example | Not confirmed | IDR 4,000,000 over 12 months at 1.99% per month: IDR 412,950 per month, IDR 4,955,400 total |
| Free early repayment | Yes | Not confirmed |
| Credit needed | Fair | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit check (Hard), Rate type (Fixed), Lender type (Direct lender).
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Key differences
- APR is lower at Kredivo: 0% to 41.51% vs 9% to 18%.
- Origination fee (%) is lower at Kredivo: 0% vs 1% to 1.5%.
- Term is higher at ACLEDA Bank: 120 months vs 1 to 24 months.
- Support channels: only Kredivo offers Chat.
- Features: only Kredivo 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.
Kredivo
Kredivo suits Indonesian adults who want small, fixed-rate instalments or a credit line they can draw on. It lends directly, with a 0% arrangement fee on its installment plans, and decisions come back fast enough to hold the money for same-day spending.
Score breakdown
| Area | ACLEDA Bank | Kredivo |
|---|---|---|
| Cost | 9.0 | 9.7HigherArrangement fee is 0% on the installment plans, and the rate type is fixed, so instalment costs do not drift. |
| Offer | 9.6HigherFixed pricing at 9% to 18% across 120 months with fees of 1% to 1.5% keeps the offer easy to cost. | 8.7 |
| Trust | 9.3Higher | 9.2 |
Licences and countries
| Country | ACLEDA Bank | Kredivo |
|---|---|---|
| Cambodia | Not confirmed | |
| Indonesia | Not confirmed |
Additional countries for ACLEDA Bank: 1. Additional countries for Kredivo: 1.
What we checked
ACLEDA Bank
- acledabank.com.kh: 20 facts, checked September 26, 2026
Kredivo
- kredivo.id: 12 facts, checked September 26, 2026
- play.google.com: 5 facts, checked September 26, 2026
How they place
| Ranking | ACLEDA Bank | Kredivo |
|---|---|---|
| Personal loans | 286 of 1932 | 84 of 1932 |
| Buy now, pay later | 11 of 88 | 4 of 88 |
Every fact side by side
| Fact | ACLEDA Bank | Kredivo |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding, Credit lineCovers more |
| Legal entity | ACLEDA Bank Plc. | PT Kredivo Finance Indonesia |
| Headquarters | Cambodia | Indonesia |
| Founded | 1993 | Not confirmed |
| Support channels | Phone, Email, Help centre | Phone, Email, Chat, Help centreCovers more |
Where each stands against the rest
| Fact | ACLEDA Bank | Kredivo | Median |
|---|---|---|---|
| APR | 9% to 18%above the median | 0% to 41.51%lowest quarter | 8.99 |
| Term | 120 monthshighest quarter | 1 to 24 monthslowest quarter | 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.
Kredivo
Pros
- No arrangement fee on installment plans, at 0%
- Fixed rates at fixed, so monthly payments do not drift
- Repayment terms run 1 to 24, so short and long plans both work
Cons
- Applications use a hard credit check (hard)
- APR runs as high as 0% to 41.51% at the top of the range
- KrediFazz cash loans add an arrangement fee on top of interest, unlike the installment plans
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.
Kredivo
Who it suits
- Adults in Indonesia with a steady monthly income who can meet the eligibility rules
- Shoppers splitting purchases into instalments through the app
- Borrowers who want an app-drawn credit line as well as a one-off loan
Who should look elsewhere
- Anyone outside Indonesia, since eligibility is limited to Indonesian citizens domiciled there
- Monzo Flex, for borrowers who prefer a lower-rate personal loan over an instalment app
- Cashspace, for anyone wanting a single credit decision against a stated APR range
Current offers
Kredivo
Current offer
Discount code
Triple 0: 0% installments for 12 months on iPhone 15, iPhone 16 and Macbook, plus 2 months free: 0% installment interest, 0% admin fee, 0% down payment, 2 months free; 6% admin fee per transaction on the 2-months-free part
Stated promo period runs until December 2025; valid at Erafone, iBox, Digimap, Digiplus, Blibli Store and Hello; one voucher per user; min. transaction IDR 500,000; late payment adds 2 installments plus interest and late fees
Source, checked September 26, 2026
Country by country
| Country | ACLEDA Bank | Kredivo |
|---|---|---|
| Cambodia | Yes | No |
| Indonesia | 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.
Kredivo
What does Kredivo cost to borrow?+
The arrangement fee on the installment plans is 0%, and interest is charged at 0% to 41.51% on a fixed rate, so the monthly payment holds steady across the term. KrediFazz cash loans charge an arrangement fee on top of that interest.
How long can I borrow for?+
Terms run 1 to 24, so a plan can be as short as a single month or stretch across a longer repayment period. The longer the term, the more you pay in interest overall, so the shortest workable term costs least in total.
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