Updated September 28, 2026 · BorrowCue Editorial Team
ACLEDA Bank vs Sezzle
What sets them apart
| Compare |  ACLEDA Bank |  Sezzle |
|---|---|---|
| APR | 9% to 18%Lower | 45% |
| Loan amount | KHR 400,000,000 | from $20 |
| Term | 120 monthsHigher | 1.5 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 to $7.49 finance charge (service fee) charged at loan origination |
| Credit check | Hard | Soft prequal |
| Funding time | Immediate automated approval in the ACLEDA Super App, no branch visit or paperwork | Immediate: Sezzle pays the merchant in full for the order as soon as the order is placed |
| 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 | 18 years or older, US or Canadian resident with a mobile number that receives texts, verifiable email and a non-prepaid debit or credit card |
| Loan types | Personal, Cash advance, Car, Student, BNPL, Credit line, Business, SecuredCovers more | BNPL, Personal |
| Representative example | Not confirmed | Pay in 4: $300 loan, $75 down payment today, then 3 payments of $75 every two weeks at 45.0% APR, total payments $307.49 including a $7.49 service fee |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 1% to 1.5% | Not confirmed |
| Credit needed | Fair | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Rate type (Fixed), Lender type (Direct lender).
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Key differences
- ACLEDA Bank scores higher overall: 9.3 vs 8.7.
- Sezzle is available in 1 more country.
- APR is lower at ACLEDA Bank: 9% to 18% vs 45%.
- Term is higher at ACLEDA Bank: 120 months vs 1.5 months.
- 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.
Sezzle
Sezzle turns a shop into a down payment at checkout and the rest in short instalments, which suits shoppers spreading a modest basket over weeks. The trade-off is the 45% APR plus a service fee at order placement, so it works for smaller orders rather than large ones.
Score breakdown
| Area | ACLEDA Bank | Sezzle |
|---|---|---|
| Cost | 9.0Higher | 8.2APR of 45% plus a service fee at origination sits above cheaper rivals, and the plan clears in 1.5. |
| Offer | 9.6HigherFixed pricing at 9% to 18% across 120 months with fees of 1% to 1.5% keeps the offer easy to cost. | 8.5A soft prequal check, a fixed rate, and the merchant paid in full the moment the order is placed. |
| Trust | 9.3Higher | 9.2 |
Feature by feature
| Loan types | ACLEDA Bank | Sezzle |
|---|---|---|
| Personal | Yes | Yes |
| Credit line | Yes | No |
| Secured | Yes | No |
| Car | Yes | No |
| Business | Yes | No |
| Student | Yes | No |
| Cash advance | Yes | No |
| BNPL | Yes | Yes |
Availability and regulation
| Country | ACLEDA Bank | Sezzle |
|---|---|---|
| Cambodia | Not confirmed | |
| United States | Not confirmed | CA Department of Financial Protection and Innovation 60DB0-104155 CT Department of Banking SLC-1950862 ID Department of Finance RRL-10465 IA Division of Banking 88893690 KS Office of the State Bank Commissioner SL 0027045 OH Department of Commerce SL 400383000 RI Department of Business Regulation 20224428LL SD Division of Banking 1950862MYL WY Division of Banking CL 4854 |
Additional countries for ACLEDA Bank: 1. Additional countries for Sezzle: 2.
Positions in our rankings
| Ranking | ACLEDA Bank | Sezzle |
|---|---|---|
| Personal loans | 286 of 1932 | 128 of 1932 |
| Buy now, pay later | 11 of 88 | 5 of 88 |
What we checked
ACLEDA Bank
- acledabank.com.kh: 20 facts, checked September 26, 2026
Sezzle
- investors.sezzle.com: 5 facts, checked September 26, 2026
- legal.sezzle.com: 5 facts, checked September 26, 2026
- shopper-help.sezzle.com: 3 facts, checked September 26, 2026
- sezzle.com: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | ACLEDA Bank | Sezzle |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Not confirmed |
| Legal entity | ACLEDA Bank Plc. | Sezzle Inc. |
| Headquarters | Cambodia | United States |
| Founded | 1993 | Not confirmed |
| Support channels | Phone, Email, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | ACLEDA Bank | Sezzle | Median |
|---|---|---|---|
| APR | 9% to 18%above the median | 45%highest quarter | 8.99 |
| Term | 120 monthshighest quarter | 1.5 monthslowest 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.
Sezzle
Pros
- The merchant is paid in full as soon as the order is placed, so nothing is held back while you clear instalments.
- Checking is a soft prequal search, a lighter touch on your file than a full credit application.
- Support runs on email, phone and help centre, with both phone and email listed.
Cons
- The 45% APR is steep, while buy now pay later listings on this site sit at 2.1%.
- Support runs on email, phone and help centre only, with live chat absent from the listed channels.
- Eligibility asks for a minimum age, a US or Canadian residence, a mobile number that receives texts, a verifiable email and a non-prepaid card, which narrows who can apply.
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.
Sezzle
Who it suits
- Shoppers splitting a modest basket who prefer to keep the whole order off a card.
- People who need the order funded straight away, since the merchant is paid in full as soon as the order is placed.
- US or Canadian residents with a verifiable email and a non-prepaid card who meet the minimum age.
Who should look elsewhere
- Shoppers after a cheaper personal loan: Monzo Flex lists 10% to 23% against 45% at Sezzle.
- Borrowers who want a longer repayment window, since the 1.5 schedule finishes far sooner than a personal loan term.
- Anyone wanting an interest-free alternative: Cashspace ES lists 0%.
Current offers
Sezzle
Current offer
Bonus
Sezzle giveaways: over $150K in prizes given away, win $2,000 in Sezzle Spend
entries made in the Sezzle app; eligibility criteria apply
Source, checked September 26, 2026
Country by country
| Country | ACLEDA Bank | Sezzle |
|---|---|---|
| Cambodia | Yes | No |
| Canada | No | Yes |
| 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.
Sezzle
What does a Sezzle plan cost?+
A service fee is charged when the plan is created, on top of the 45% APR. The worked example pairs a down payment at checkout with the balance repaid in equal instalments, and the service fee is added to the total. Budget for the instalments and the fee together.
How does that APR compare with other lenders here?+
Sezzle charges 45% APR on fixed terms. Personal loan listings on this site sit at 12%, so a short instalment plan here costs well above a typical personal loan rate. The rate is fixed, so the instalment amount holds for the life of the plan.
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