Updated September 28, 2026 · BorrowCue Editorial Team
ACLEDA Bank vs Tamara
Where ACLEDA Bank and Tamara differ
| Compare |  ACLEDA Bank |  Tamara |
|---|---|---|
| APR | 9% to 18% | 0%Lower |
| Loan amount | KHR 400,000,000 | up to SAR 50,000 |
| Term | 120 monthsHigher | 3 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) | SAR 0 (Pay in 3) |
| 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+ and citizen or resident of Saudi Arabia, UAE or Kuwait; 21+ and citizen of Bahrain |
| Loan types | Personal, Cash advance, Car, Student, BNPL, Credit line, Business, SecuredCovers more | BNPL |
| Funding time | Immediate automated approval in the ACLEDA Super App, no branch visit or paperwork | Not confirmed |
| Rate type | Fixed | Not confirmed |
| 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: Credit check (Hard), Lender type (Direct lender).
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Key differences
- Tamara scores higher overall: 9.4 vs 9.3.
- Tamara is available in 3 more countries.
- APR is lower at Tamara: 0% vs 9% to 18%.
- Term is higher at ACLEDA Bank: 120 months vs 3 to 24 months.
- Loan types: only ACLEDA Bank offers Personal, Cash advance, Car.
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.
Tamara
Tamara suits Gulf shoppers who want to split a purchase and pay nothing in interest. Its APR of 0% and an origination fee of SAR 0 (Pay in 3) make it the cheapest of these brands, while a hard credit check and a 3 to 24 term window keep it a short commitment.
Score breakdown
| Area | ACLEDA Bank | Tamara |
|---|---|---|
| Cost | 9.0 | 9.9HigherAPR of 0% and an origination fee of SAR 0 (Pay in 3) on the interest free plan, against 9.5% to 3,696% at Solcredito MX. |
| Offer | 9.6HigherFixed pricing at 9% to 18% across 120 months with fees of 1% to 1.5% keeps the offer easy to cost. | 8.8 |
| Trust | 9.3Higher | 9.2 |
Feature by feature
| Loan types | ACLEDA Bank | Tamara |
|---|---|---|
| Personal | Yes | No |
| Credit line | Yes | No |
| Secured | Yes | No |
| Car | Yes | No |
| Business | Yes | No |
| Student | Yes | No |
| Cash advance | Yes | No |
| BNPL | Yes | Yes |
How they place
| Ranking | ACLEDA Bank | Tamara |
|---|---|---|
| Buy now, pay later | 11 of 88 | 10 of 88 |
Every fact side by side
| Fact | ACLEDA Bank | Tamara |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Not confirmed |
| Legal entity | ACLEDA Bank Plc. | Tamara Finance Company |
| Headquarters | Cambodia | Saudi Arabia |
| Founded | 1993 | Not confirmed |
| Support channels | Phone, Email, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | ACLEDA Bank | Tamara | Median |
|---|---|---|---|
| APR | 9% to 18%above the median | 0%lowest quarter | 8.99 |
| Term | 120 monthshighest quarter | 3 to 24 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.
Tamara
Pros
- APR of 0%, against 9.5% to 3,696% at Solcredito MX
- An origination fee of SAR 0 (Pay in 3) on the interest free plan
- Licensed by the Saudi Central Bank (SAMA) under 95/A Sh/202502
Cons
- The credit check is hard, so any application is recorded on the file
- Terms run 3 to 24, so a long repayment window is not offered
- Buy now pay later is the only product listed under bnpl, with no consolidation or credit line
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.
Tamara
Who it suits
- Adults who are citizens or residents of Saudi Arabia, the UAE or Kuwait, and adult citizens of Bahrain, splitting a purchase at a merchant
- Readers who want a regulated direct lender with nothing charged in interest on the short plan
- Shoppers with a larger basket in mind, since amounts reach up to SAR 50,000
Who should look elsewhere
- Readers who need a debt consolidation loan or a credit line, since buy now pay later is the only product under bnpl
- Anyone who wants a soft prequalification rather than a hard credit check, or who lives outside the Gulf markets Tamara serves
- Borrowers after a small personal loan, where Kviku's ceiling of up to €2,000 is a better fit, or a much larger one, where Oney Préstamos ES runs to €1,000 to €45,000
Current offers
Tamara
Current offer
First period offer
Tamara Smart free first month: Free for the first month, then 19 SAR monthly
Tamara Smart membership subscription; pays 19 SAR monthly afterwards
Source, checked September 26, 2026
Country by country
| Country | ACLEDA Bank | Tamara |
|---|---|---|
| Bahrain | No | Yes |
| Cambodia | Yes | No |
| Kuwait | No | Yes |
| Saudi Arabia | No | Yes |
| United Arab Emirates | 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.
Tamara
What does it cost to split a purchase with Tamara?+
The APR is 0% on the interest free plan, so nothing accrues on the balance. The origination fee is SAR 0 (Pay in 3) on that same plan, which means there is no separate setup charge either. Solcredito MX, by contrast, charges an APR of 9.5% to 3,696%.
Is Tamara regulated?+
Yes. In Saudi Arabia the lender is licensed by the Saudi Central Bank (SAMA), and the licence number is 95/A Sh/202502. The contracting entity is Tamara Finance Company, which is headquartered in Saudi Arabia and lends its own money rather than passing borrowers on.
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