Updated September 28, 2026 · BorrowCue Editorial Team
ACLEDA Bank vs Moneyveo VN
ACLEDA Bank vs Moneyveo VN: the differences
| Compare |  ACLEDA Bank |  Moneyveo VN |
|---|---|---|
| APR | 9% to 18%Lower | 18.25% |
| Loan amount | KHR 400,000,000 | ₫500,000 to ₫30,000,000 |
| Term | 120 months | 62 to 180 monthsHigher |
| Credit check | Hard | Soft prequal |
| Funding time | Immediate automated approval in the ACLEDA Super App, no branch visit or paperwork | About 20 minutes on average from application to bank account credit |
| Lender type | Direct lender | Marketplace |
| 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 | Vietnamese citizens living and working in Vietnam, aged 20-80, valid ID card, own mobile number and own bank account |
| Loan types | Personal, Cash advance, Car, Student, BNPL, Credit line, Business, SecuredCovers more | Personal, Secured, Student, BNPL |
| Credit needed | Fair | Poor |
| 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 |
| Representative example | Not confirmed | Loan 2,000,000 VND at 18.25% APR for 100 days: total interest 100,000 VND, total repayable 2,100,000 VND |
| Origination fee (%) | 1% to 1.5% | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Rate type (Fixed).
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Key differences
- ACLEDA Bank scores higher overall: 9.3 vs 8.5.
- Founded is lower at ACLEDA Bank: 1993 vs 2020.
- APR is lower at ACLEDA Bank: 9% to 18% vs 18.25%.
- Free early repayment: only ACLEDA Bank.
- Term is higher at Moneyveo VN: 62 to 180 months vs 120 months.
- Support channels: only ACLEDA Bank offers Email.
- Support channels: only Moneyveo VN offers Community.
- Loan types: only ACLEDA Bank offers Cash advance, Car, Credit line.
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.
Moneyveo VN
Moneyveo VN suits Vietnamese borrowers with poor credit who want a fixed rate loan in dong and cash in the bank account the same day. The trade-off is cost: an APR of 18.25% is above the site median, and free early repayment is no, so an early exit carries a charge.
Score breakdown
| Area | ACLEDA Bank | Moneyveo VN |
|---|---|---|
| Cost | 9.0Higher | 8.4 |
| Offer | 9.6HigherFixed pricing at 9% to 18% across 120 months with fees of 1% to 1.5% keeps the offer easy to cost. | 9.5 |
| Trust | 9.3Higher | 8.1 |
Positions in our rankings
| Ranking | ACLEDA Bank | Moneyveo VN |
|---|---|---|
| Personal loans | 286 of 1932 | 133 of 1932 |
| Loans for bad credit | 82 of 275 | 74 of 275 |
| Secured loans | 51 of 472 | 22 of 472 |
| Private student loans | 25 of 167 | 12 of 167 |
| Buy now, pay later | 11 of 88 | 7 of 88 |
Feature by feature
| Loan types | ACLEDA Bank | Moneyveo VN |
|---|---|---|
| Personal | Yes | Yes |
| Credit line | Yes | No |
| Secured | Yes | Yes |
| Car | Yes | No |
| Business | Yes | No |
| Student | Yes | Yes |
| Cash advance | Yes | No |
| BNPL | Yes | Yes |
A third option
Prestamiau ES has apr at 0% to 36%, against 9% to 18% for ACLEDA Bank and 18.25% for Moneyveo VN.
Prestamiau ES reviewSources behind this comparison
ACLEDA Bank
- acledabank.com.kh: 20 facts, checked September 26, 2026
Moneyveo VN
- moneyveo.vn: 18 facts, checked September 26, 2026
Every fact side by side
| Fact | ACLEDA Bank | Moneyveo VN |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | ACLEDA Bank Plc. | CONG TY TNHH MONEYVEO VIETNAM |
| Headquarters | Cambodia | Vietnam |
| Founded | 1993Lower | 2020 |
| Support channels | Phone, Email, Help centre | Phone, Help centre, Community |
Where each stands against the rest
| Fact | ACLEDA Bank | Moneyveo VN | Median |
|---|---|---|---|
| APR | 9% to 18%above the median | 18.25%above the median | 8.99 |
| Term | 120 monthshighest quarter | 62 to 180 monthshighest 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.
Moneyveo VN
Pros
- Same day funding: same day funding is listed, and the stated timing runs from submitting an application to the money sitting in the account.
- The credit check runs as soft prequal, the gentler option before a full search.
- Fixed rates with terms of 62 to 180 months, so repayments are set at the start.
Cons
- An APR of 18.25% puts it at 243 on APR out of the 350 brands tracked.
- Free early repayment is no, so clearing the balance early carries a charge.
- Narrow eligibility: citizens living and working in Vietnam with a valid ID card and personal phone and bank details.
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.
Moneyveo VN
Who it suits
- Citizens living and working in Vietnam with a valid ID card, personal phone number and personal bank account.
- Applicants with poor credit who want a soft prequal check and same day funding.
Who should look elsewhere
- Borrowers chasing a lower rate, since Monzo Flex charges 10% to 23% against Moneyveo VN's 18.25%.
- Anyone after a no interest option, since Cashspace ES lists 0% where Moneyveo VN charges 18.25%.
Country by country
| Country | ACLEDA Bank | Moneyveo VN |
|---|---|---|
| Cambodia | Yes | No |
| Vietnam | 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.
Moneyveo VN
What APR does Moneyveo VN charge?+
The stated rate is 18.25% APR, fixed for the life of the loan, and it puts Moneyveo VN at 243 on APR out of the 350 brands tracked. Predictable, but not cheap, and it is the number to weigh before anything else.
How much can I borrow, and over what term?+
Loan amounts run VND 500,000 to VND 30,000,000, and terms run 62 to 180 months. Since the rate is fixed, a longer term spreads the same borrowing over more payments, with the interest added to what you owe. What you are offered depends on the lender the marketplace matches to your application.
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