Updated September 28, 2026 · BorrowCue Editorial Team
ACLEDA Bank vs Solcredito MX
What sets them apart
| Compare |  ACLEDA Bank |  Solcredito MX |
|---|---|---|
| APR | 9% to 18%Lower | 9.5% to 3,696% |
| Loan amount | KHR 400,000,000 | up to MX$100,000 |
| Term | 120 monthsHigher | 3 to 48 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 MXN |
| Funding time | Immediate automated approval in the ACLEDA Super App, no branch visit or paperwork | Within 24 hours |
| 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 | 18-80 years old, resident in Mexico, hold an account at a national bank, email and mobile phone |
| Loan types | Personal, Cash advance, Car, Student, BNPL, Credit line, Business, Secured | Personal, Car, Secured, Debt consolidation, BNPL |
| Credit needed | Fair | Poor |
| Credit check | Hard | Not confirmed |
| Representative example | Not confirmed | Borrow $10,000 at a 12% annual rate over 6 months: monthly payment $1,732.98, total repayment $10,397.88 (total CAT 12.001%) |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 1% to 1.5% | Not confirmed |
Same on both: Rate type (Fixed), Use cases (Home improvement).
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Key differences
- ACLEDA Bank scores higher overall: 9.3 vs 8.7.
- Founded is lower at ACLEDA Bank: 1993 vs 2011.
- APR is lower at ACLEDA Bank: 9% to 18% vs 9.5% to 3,696%.
- Term is higher at ACLEDA Bank: 120 months vs 3 to 48 months.
- Support channels: only ACLEDA Bank offers Phone.
- Loan types: only ACLEDA Bank offers Cash advance, Student, Credit line.
- Loan types: only Solcredito MX offers Debt consolidation.
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.
Solcredito MX
Solcredito MX suits Mexican residents with poor credit who need a personal loan quickly and want the repayment fixed. Funding lands Within 24 hours, the origination fee is 0 MXN, and the wide rate band is the main thing to check before you sign.
Score breakdown
| Area | ACLEDA Bank | Solcredito MX |
|---|---|---|
| Cost | 9.0Higher | 8.9 |
| Offer | 9.6HigherFixed pricing at 9% to 18% across 120 months with fees of 1% to 1.5% keeps the offer easy to cost. | 8.59.5% to 3,696% is far wider than the alternatives, which is what holds the offer score back, though the fixed fixed rate keeps payments predictable. |
| Trust | 9.3Higher | 8.5 |
Licences and countries
| Country | ACLEDA Bank | Solcredito MX |
|---|---|---|
| Cambodia | Not confirmed |
Additional countries for ACLEDA Bank: 1. Additional countries for Solcredito MX: 1.
Side by side, item by item
| Loan types | ACLEDA Bank | Solcredito MX |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | No | Yes |
| Credit line | Yes | No |
| Secured | Yes | Yes |
| Car | Yes | Yes |
| Business | Yes | No |
| Student | Yes | No |
| Cash advance | Yes | No |
| BNPL | Yes | Yes |
| Use cases | ACLEDA Bank | Solcredito MX |
|---|---|---|
| Home improvement | Yes | Yes |
How they place
| Ranking | ACLEDA Bank | Solcredito MX |
|---|---|---|
| Personal loans | 286 of 1932 | 61 of 1932 |
| Loans for bad credit | 82 of 275 | 38 of 275 |
| Secured loans | 51 of 472 | 10 of 472 |
| Car loans | 64 of 431 | 17 of 431 |
| Home improvement loans | 92 of 562 | 28 of 562 |
| Buy now, pay later | 11 of 88 | 2 of 88 |
Every fact side by side
| Fact | ACLEDA Bank | Solcredito MX |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | ACLEDA Bank Plc. | Fiizy OU |
| Headquarters | Cambodia | Estonia |
| Founded | 1993Lower | 2011 |
| Support channels | Phone, Email, Help centreCovers more | Email, Help centre |
Where each stands against the rest
| Fact | ACLEDA Bank | Solcredito MX | Median |
|---|---|---|---|
| APR | 9% to 18%above the median | 9.5% to 3,696%above the median | 8.99 |
| Term | 120 monthshighest quarter | 3 to 48 monthsbelow the median | 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.
Solcredito MX
Pros
- Origination fee of 0 MXN, so the cost is the interest and the amount you repay rather than a fee sitting on top.
- Poor credit is enough: poor is the stated requirement, and 70.1% shows most brands in the bad credit ranking ask the same.
- Quick payout on an accepted application, with funding Within 24 hours and same-day funding listed as a feature, same day funding.
Cons
- The rate band is the weak point: 9.5% to 3,696% stretches far wider than the 10% to 23% at Monzo Flex or the PHP 12 to PHP 36 at Cashspace.
- Support runs on email and help centre only, while phone is the most common channel in the personal loan ranking, 85.3%.
- It is a broker, broker, so the rate and the contract come from whichever lender takes the application, and direct lenders lead the personal loan ranking at 76.3%.
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.
Solcredito MX
Who it suits
- Adults living in Mexico with a bank account, an email address and a mobile number, applying on poor credit.
- Borrowers who need the money Within 24 hours and can live with a monthly amount set on a fixed basis.
- People consolidating debts, buying a car or fixing up a home, since personal, car and secured and home improvement cover those uses.
Who should look elsewhere
- Borrowers who want a tight rate band: Monzo Flex prices at 10% to 23% and Cashspace at PHP 12 to PHP 36, both narrower than 9.5% to 3,696%.
- People who need to talk something through, since support is limited to email and help centre rather than a phone line.
- Borrowers wanting a bigger sum than up to MXN 100,000 or a longer term than 3 to 48, who would do better checking direct lenders than a broker.
Current offers
Solcredito MX
Current offer
First period offer
First loan from 0% interest: 0% interest on the first loan
Offer depends on the lender network; the exact CAT and any charges are disclosed before signing the loan contract
Source, checked September 26, 2026
Bonus
Extra $12,000 from 0% for special events: 12,000 MXN additional credit at 0%
Special event promotion on personal loans, terms per lender offer
Source, checked September 26, 2026
Country by country
| Country | ACLEDA Bank | Solcredito MX |
|---|---|---|
| Cambodia | Yes | No |
| Mexico | 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.
Solcredito MX
What rate will I pay on a Solcredito MX personal loan?+
Rates depend on the partner lender your application reaches, and the published band is 9.5% to 3,696%, which is wide. For context, the middle of the market on this site is 12%. Ask for the rate in writing once an offer lands, and compare the total you repay against the amount you borrow.
Does Solcredito MX charge an origination fee?+
The stated origination fee is 0 MXN, so the headline cost here is the interest itself. That compares well with lenders that add a fee on top of the rate. Read the partner lender's terms too, since a broker arrangement carries terms set by the funder.
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