Updated September 28, 2026 · BorrowCue Editorial Team
ACLEDA Bank vs Oney Préstamos ES
What sets them apart
| Compare |  ACLEDA Bank |  Oney Préstamos ES |
|---|---|---|
| Loan amount | KHR 400,000,000 | €1,000 to €45,000 |
| Arrangement fee | 1% of loan amount (Salary Loan); 1.5% of the loan amount, minimum KHR 8,000 or USD 2 (Advance Salary Loan) | 3% of financed capital (apertura) |
| Funding time | Immediate automated approval in the ACLEDA Super App, no branch visit or paperwork | Decision within 48 h, then money sent to the account you choose |
| 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 | Must be of legal age and have no unpaid debts; from 1,000 EUR for existing Oney customers, 6,000 EUR for new customers |
| Origination fee (%) | 1% to 1.5%Lower | 3% |
| Loan types | Personal, Cash advance, Car, Student, BNPL, Credit line, Business, SecuredCovers more | Personal, Car, Student, BNPL |
| APR | 9% to 18% | Not confirmed |
| Term | 120 months | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Credit needed | Fair | Not confirmed |
Same on both: Credit check (Hard), Lender type (Direct lender), Use cases (Home improvement).
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Key differences
- ACLEDA Bank scores higher overall: 9.3 vs 8.8.
- Free early repayment: only ACLEDA Bank.
- Origination fee (%) is lower at ACLEDA Bank: 1% to 1.5% vs 3%.
- Support channels: only ACLEDA Bank offers Email.
- Loan types: only ACLEDA Bank offers Cash advance, Credit line, Business.
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.
Oney Préstamos ES
Oney Préstamos ES suits Spanish adults with a dated home project and an existing Oney account, who can borrow from a lower floor than new applicants. Borrowings run to €1,000 to €45,000, and the cost side is the trade-off: the lender itself, with free early repayment not on offer.
Score breakdown
| Area | ACLEDA Bank | Oney Préstamos ES |
|---|---|---|
| Cost | 9.0Higher | 8.3 |
| Offer | 9.6HigherFixed pricing at 9% to 18% across 120 months with fees of 1% to 1.5% keeps the offer easy to cost. | 8.9 |
| Trust | 9.3Higher | 9.2 |
Where these facts come from
ACLEDA Bank
- acledabank.com.kh: 20 facts, checked September 26, 2026
Oney Préstamos ES
- oney.es: 13 facts, checked September 26, 2026
How they place
| Ranking | ACLEDA Bank | Oney Préstamos ES |
|---|---|---|
| Personal loans | 286 of 1932 | 1 of 1932 |
| Car loans | 64 of 431 | 1 of 431 |
| Private student loans | 25 of 167 | 1 of 167 |
| Home improvement loans | 92 of 562 | 1 of 562 |
| Buy now, pay later | 11 of 88 | 1 of 88 |
Every fact side by side
| Fact | ACLEDA Bank | Oney Préstamos ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Not confirmed |
| Legal entity | ACLEDA Bank Plc. | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) |
| Headquarters | Cambodia | Spain |
| Founded | 1993 | Not confirmed |
| Support channels | Phone, Email, Help centreCovers more | Help centre, Phone |
Where each stands against the rest
| Fact | ACLEDA Bank | Oney Préstamos ES | 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 | 3%highest quarter | 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.
Oney Préstamos ES
Pros
- The lender is named on the paperwork as Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324), a direct lender, so the counterparty is clear before you sign.
- Support runs on help centre and phone, pairing a phone line with a help centre.
- personal, car and student all sit under the same lender, so a car, student or buy now pay later need does not mean a new provider.
Cons
- Every loan carries an opening fee of 3% of financed capital (apertura), so the cost starts above the interest rate.
- Free early repayment is not offered, so clearing the balance ahead of schedule does not lower what you pay.
- New customers start from a higher floor, and the credit check is hard, so a thin first application can be turned down.
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.
Oney Préstamos ES
Who it suits
- Existing Oney customers, who start from a lower borrowing floor than new applicants.
- Adults funding a home improvement project who can clear a hard credit check and accept an opening fee.
- Borrowers who want personal, car, student and buy now pay later lending from one licensed provider in Spain.
Who should look elsewhere
- New applicants wanting a small first loan, since the floor for new customers is higher and Cashspace ES lends €100 to €5,000.
- People whose project costs more than €1,000 to €45,000 covers, since Monzo Flex lends £10,000 to £35,000.
Current offers
Oney Préstamos ES
Current offer
Bonus
5 EUR cheque per 250 EUR of purchases with the VISA Club Leroy Merlin card: 5 EUR per 250 EUR spent
Card purchase offer; conditions published by leroymerlin.es
Source, checked September 26, 2026
Country by country
| Country | ACLEDA Bank | Oney Préstamos ES |
|---|---|---|
| Cambodia | Yes | No |
| Spain | 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.
Oney Préstamos ES
What does a loan from here cost?+
Every loan carries an opening fee of 3% of financed capital (apertura), so the cost starts above the interest rate. Free early repayment is not offered either, and the site cost score for this brand is 1.7.
How quickly is the money sent?+
A decision comes through a short window, then the money is sent to the account you choose. That suits anyone working to a dated home project, and the borrowing range tops out at €1,000 to €45,000.
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