Hattha Bank review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Hattha Bank is a direct lender based in Cambodia, offering personal, business and student loans at a rate of 1.3% up to $50,000 over 60. It suits borrowers paying for home improvements, and anyone who would rather deal with the lender itself than a broker.

Key facts

Best for
Low-cost direct lending in Cambodia for a home project.
APR
1.3% (Source, checked September 26, 2026)
Loan amount
$50,000 (Source, checked September 26, 2026)
Term
60 months (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Loan types
Personal, Business, Student (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Headquarters
Cambodia (Source, checked September 26, 2026)
Support channels
Phone, Email (Source, checked September 26, 2026)
Official website
hatthabank.com.kh

Apps and profiles

Get the app
App Store
Elsewhere
LinkedInyoutube.com

Pros and cons

Pros

  • Borrowing of up to $50,000 covers a whole project rather than a small top-up.
  • A 60 term runs longer than the 36 median term, which keeps the monthly cost down.
  • A single direct lender covers personal, business and student lending, so the whole range sits with one counterparty.

Cons

  • Chat is not among its support channels (phone and email), so live messaging is not an option.
  • On amount it ranks 55 of 685 brands, so the ceiling is large but not among the highest listed.
  • The stated use is home improvement alone, so borrowers with other plans get less detail on what the money is for.
Hattha Bank

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Scored 9.4 / 10 by BorrowCue.

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Who it suits

  • Cambodian borrowers funding a home project, since home improvement is the stated use.
  • Borrowers who prefer the lender itself to a broker, given the direct lending model.
  • Anyone needing personal, business or student finance without moving between providers.

Who should look elsewhere

  • Borrowers after the lowest quoted rate here: Cashspace ES is listed at 0%.
  • Anyone who wants a rate band nearer 10% to 23% than 1.3% should start with Monzo Flex.

How Hattha Bank compares

Where Hattha Bank is available

Available
Cambodia

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does Hattha Bank charge on a loan?+

The stated rate is 1.3% on personal borrowing, well below the 12% median across the loans on the site. The lender publishes a single headline rate rather than a tiered table, so the figures to work with are that rate alongside the amount and the term you pick.

How much can I borrow from Hattha Bank?+

Borrowing runs to $50,000 on the consumption loan, well clear of the €876.96 median amount across the site. That ceiling gives room for a full renovation or a larger business purchase rather than a small top-up.

How long do I have to repay?+

Repayments run to 60, longer than the 36 median term on the site. A longer term spreads the monthly cost, though the total repaid rises, so it suits a borrower whose income is steady enough to keep the payment comfortable for the full stretch.

Who am I dealing with, and where is the bank based?+

Hattha Bank is headquartered in Cambodia and lends from its own balance sheet as direct lender. The bank is the counterparty on the loan rather than an intermediary passing it on, so an application stays with a single provider.

What kinds of loan does Hattha Bank offer?+

personal, business and student lending means the same bank covers a personal loan, a business loan or student finance, and home improvement is the stated use. A borrower with several needs can stay with a single counterparty instead of shopping each product separately.

How do I get help or support?+

Questions go through phone and email. That covers a call centre and email, which handles a straightforward application, though it is thin for anyone hoping to negotiate a rate or settle a dispute through a messaging channel.

How does Hattha Bank rank against other lenders?+

On rate it sits 35 of 350 brands, and on amount 55 of 685. The cost picture looks strong on those rankings, while the size of loan offered is mid-table among the lenders listed.

How does its rate compare with the other options here?+

The alternatives come with PHP 12 to PHP 36 at Cashspace, 0% at Cashspace ES and 10% to 23% at Monzo Flex, so 1.3% is the lowest headline rate in this group, though each lender sits in a different market.

Sources

  • hatthabank.com.kh checked September 26, 2026

    Backs: Loan types, Use cases

    “Business Loan, Agriculture Loan, SME Loan, Overdraft Loan; Personal Loan: Khmer Student Loan, Social Loan, First Choice, Consumption Loan, Home for Cash”

  • hatthabank.com/contact-us/call-center checked September 26, 2026

    Backs: Support channels

    “Toll Free: 1800 212 222; Telephone: 070 266 999; Email: info@hatthabank.com”

  • hatthabank.com/page/about-hattha-bank checked September 26, 2026

    Backs: Headquarters, Lender type

    “Hattha Bank, a commercial bank with a presence in Cambodia for more than 30 years”

  • hatthabank.com/page/consumption-loan checked September 26, 2026

    Backs: Loan amount, APR, Term

    “Consumption loan: Loan size: Up to USD 50,000 or equivalent to other currencies”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee, Credit check, Funding time, Representative example.

Hattha Bank

Hattha Bank

Low-cost direct lending in Cambodia for a home project.

9.4/10See alternatives

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