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In Cambodia’s changing money world, unsecured loans are making a big difference. They’re helping people in Cambodia grow and do better financially. Learning about unsecured loans, like student loans, ប្រាក់កម្ចីផ្ទាល់ខ្លួន និង ប្រាក់កម្ចីរហ័ស, is really important as money stuff gets more complicated.

This guide is here to help you understand unsecured loans better, especially why they’re becoming popular in Cambodia. Whether you’re a student going to college or someone with big dreams, we will help you understand money better and reach your goals. Let’s learn more about each unsecured loan in Cambodia together and help Cambodians take charge of their financial future with ប្រាក់កម្ចីខ្មែររុងរឿង។!

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Key Takeaways: Student Loans vs. Personal Loans

  • Student loans are designed for educational expenses, while personal loans can be used for different purposes, including medical bills, debt consolidation, and home improvements.
  • Personal loans often feature faster approval processes and more flexible repayment options compared to secured loans.
  • Responsible borrowing practices, such as budgeting and timely repayments, are essential for managing each unsecured loan in Cambodia effectively and avoiding financial pitfalls.


In Cambodia, more and more people are taking out unsecured loans. This financial change has opened up new ways for Cambodians to manage their money and get what they need. Student loans and ប្រាក់កម្ចីផ្ទាល់ខ្លួន are the most common types of unsecured loan applications people attempt in Cambodian banks.

Consumer loan applications in Cambodia have gone up by five percent in the last quarter (Q4) of 2023 to reach $15.01 billion. Consumer credit applications represent the intention of consumers to acquire credit in the form of personal finance and credit cards. Therefore, we can know that people need an unsecured loan in Cambodia rather than the business oriented financing from this statistic.

The Rise of Unsecured Loan in Cambodia

Unsecured loan trend has gained momentum due to its ភាពងាយស្រួល និង ភាពងាយស្រួល, providing for the different needs of Cambodian citizens. With សម្រួលដំណើរការកម្មវិធី and faster approval times, these loans have become increasingly popular among Cambodians seeking immediate financial assistance. However, it’s essential for borrowers to understand the terms and conditions associated with each unsecured loan in Cambodia and to borrow responsibly to avoid potential financial pitfalls.

Understanding Unsecured Loans in Cambodia

What are Unsecured Loans?

An unsecured loan in Cambodia is one type of financial product given to borrowers without asking for collateral support. These loans do not depend on assets to secure the loan, meaning that the financial product wholly relies on the borrower’s credit និង promise to repay the debt. So any unsecured loan in Cambodia will be the hottest loan because most Cambodians don’t have assets to pledge.

Differentiating Secured vs. Unsecured Loans

Secured loans need something valuable, like a house or car, to back up the loan. When you’re offering collateral to the bank, that means you’re getting secured loans from bank Cambodia. In agricultural countries, many business owners will pledge their lands as collateral to apply for an ប្រាក់កម្ចីកសិកម្ម, that’s a class secured loan in Cambodia.  On the other hand, an unsecured loan in Cambodia given based on your ប្រវត្តិឥណទាន and if you can pay it back, without needing anything valuable as security.

secured loans vs unsecured loans

Advantages and Disadvantages of Unsecured Loans

An unsecured loan in Cambodia gives you more freedom and is easier to get because you don’t need to put up any of your stuff as security. But they usually have higher interest rates and stricter rules about who can get them compared to secured loans. Bank’s conditions are subject to the actual scenario, so find an experienced loan consultant to recommend the best solution for you. ប្រាក់កម្ចីខ្មែររុងរឿង។ provides such a service, make a booking on our website now.

disadvantages of unsecured debt

Types of Unsecured Loans Available in Cambodia

Student Loans

Student loans in Cambodia help students pay for collegeuniversity. They cover things like tuition fees, living costs, and other expenses related to education. This helps students focus on their studies without worrying too much about money.

types of unsecured loans available


Personal loans are perfect covers for things like medical expenses, school fees, debt refunds, or building repairs. You could get the amount and invest it in almost anything you need, without having to put some security.

AspectStudent Loansប្រាក់កម្ចីផ្ទាល់ខ្លួន
PurposeSpecifically for educational expensesCan be used for different personal expenses
EligibilityTypically available to students or their parentsAvailable to individuals by depending on each bank criteria
DocumentationRequire proof of enrollment or academic recordsUsual documentation and don’t need proof enrollment 
Repayment TermsOften offer grace periods or flexible repayment optionsRepayment terms change but typically involve fixed installments
អត្រា​ការ​ប្រាក់Generally lower interest ratesInterest rates may change depending on loan provider and borrower’s credit history
Collateral RequiredNot typically requiredMay or may not require collateral depending on loan amount and terms

Apply for Student Loans We Want

Student loan has the most lenient requirement in the category of unsecured loan in Cambodia. It is because the targeted borrowers are students who don’t have official income. The purpose is to provide financial assistance to students who may not be able to afford the costs of higher education on their own.

Eligibility Criteria for Students: Terms and Conditions

In Cambodian, certain លក្ខណៈវិនិច្ឆ័យសិទ្ធិ were set by the loan providers for the applicants to qualify for a student loan and are as follows:

  • Enrollment in an accredited educational institution
  • Cambodian citizenship or permanent residency
  • Demonstrated financial need
  • Satisfactory academic performance

Co-Signer Requirements (if applicable)

Any bank branch can require the student to have a cosigner, mostly their family member like parent or guardian. Co-signers accept the loan repayment responsibility in case of default by the borrower. Besides, the bank institution might request the co-signer to have at least one saving account in their bank to meet the eligibility requirement. However, there’s still many experienced financial service providers that offer fast and convenient loan application procedures without guarantors. If you want to enjoy this convenience, call ប្រាក់កម្ចីខ្មែររុងរឿង។ today and book for a consultant service.

Alternatives to having a co-signer

Choosing the Right Student Loan

Factors to Consider (Interest Rates, Repayment Terms, Loan Amount)

When selecting a student loan, borrowers should carefully evaluate different factors to ensure they choose the most suitable option for their needs. Key considerations include:

  • Interest Rates: Low-interest rates can significantly reduce the customer ថ្លៃដើមខ្ចី over the loan term. There’s multiple ways to calculate interest like simple interest, compound interest and others. Find the most worthy way that applies to your loan application.

In most cases, a monthly fixed interest rate offers a higher interest than other calculations.

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  • Repayment Terms: Students might not be sensitive to numbers and lead to overborrow in their application. Flexible repayment terms allow borrowers to manage their debt more effectively and avoid financial strain
  • Loan Amount: Adequate loan amounts should cover your actual needs without excessive borrowing.
types of interest

Comparing Loan Options from Different Banks

People who want to borrow money for school should check out what different banks offer. They should ask for information about loans and compare things like interest rates, how they have to pay back the money, and any extra charges. This will help them choose the best option for their money needs. Do research online because there’s many qualified financial institutions that offer different choices. ប្រាក់កម្ចីខ្មែររុងរឿង។ summarized all the bank’s offers in Cambodia.

Loan Providerចំនួនប្រាក់កម្ចីអត្រាការប្រាក់រយៈពេលកម្ចីRepayment OptionsEligibilityRequirements
KB PRASAC BankUp to $2,500Reasonable rate (details not available)Up to 12 monthsFlexibleLimited information availableID, diploma, income/expense documents
Phillip Bank$200 – $6,0001.30% – 1.40% per monthUp to 54 monthsEMI (equal monthly installments)Between 18-35 years old, High school diploma or university studentID, income proof, property documents (optional)
CMK Microfinance PlcNot specified0.9% per monthUp to 7 years (flexible)FlexibleGood academic standingAcademic performance documents (likely)
Hattha BankUp to USD 10,000 or 40,000,000 KHRAs low as 1.50%Up to 84 monthsFlexible repaymentParents or students pursuing bachelors, masters, or intensive coursesLikely similar to other banks (ID, proof of enrollment, etc.)

Get Personal Loans in USD

In Cambodia, personal loans help people get money fast for different personal needs. Whether it’s paying for medical bills, school fees, or combining debts, personal loans are flexible and easy for borrowers.

What Can You Use a Personal Loan For in Cambodia?

Personal loans can be used for a wide range of purposes, including:

  • Education: Financing tuition fees, textbooks, and other educational expenses.
  • Medical Expenses: Covering medical bills, hospitalization costs, and medication.
  • Debt Consolidation: Combining multiple debts into a single loan to streamline repayment.
  • Home Improvements: Funding renovations, repairs, or upgrades to residential properties.
  • Travel: Financing vacations, overseas trips, or travel-related expenses.
  • Emergency Expenses: Covering unexpected costs, such as vehicle repairs or appliance replacements. So people always take it as emergency loans ដូច​គ្នា។

Features and Benefits of Personal Loans

Flexibility to Meet Your Needs:

Personal loans in Cambodia offer a high degree of flexibility compared to other loan options. This applies to both the loan amount and repayment terms.

Loan Amount: Unlike some targeted loans like ប្រាក់កម្ចីរថយន្ត, personal loans are designed to serve a wide range of needs. Loan amounts not only change depending on the loan provider, but also depend on the borrowers’ profile.

Repayment Terms: Personal loans come with adjustable repayment terms, allowing you to choose a repayment period that fits your budget. However, ប្រាក់កម្ចីខ្មែររុងរឿង។ suggests you to use our ការគណនាប្រាក់កម្ចីឥតគិតថ្លៃ to identify the installment that you’re មានសមត្ថភាពសង. Shorter terms generally come with lower interest but require higher monthly payments. Conversely, longer terms spread out the payments but accrue more interest overall.  

Unsecured Loans for Easier Access:

Personal loans in Cambodia are typically unsecured which means you don’t need to risk your assets in case of default. Without collateral requirements, personal loans become the most favorable loan type in Cambodia. We can see from the statistics that the total number of loan accounts reached 1.54 million nationwide in December, 79.43% composed of personal finance loan accounts, according to the latest report from Credit Bureau (Cambodia).

Fast Funding for Urgent Situations:

Due to the characteristic of unsecured, personal loans often boast quicker processing, with some loan providers offering approvals and disbursements within days of a completed application. If you want to have a faster loan approval, then ប្រាក់កម្ចីខ្មែររុងរឿង។ will be your best choice because we promise we can get you the loan within 24 hours.

Potential Credit Score Boost with Responsible Repayment:

Have you ever wondered about becoming a business owner and you need $20,000 dollars the next day? You might need to finance your business for startup or expanding purposes but borrowing a ប្រាក់កម្ចីអាជីវកម្មប្រាក់កម្ចី SME with minimum $10,000 is not an easy thing. Therefore, a personal loan as low as $500 is the bridge for us to connect with a higher loan amount. 

Securing the Best Unsecured Loan Deal You Need with Requirement

To get the best unsecured loan in Cambodia, you need to think about a few things like what you need to qualify, what documents you need. If you know what’s needed and negotiate well, you can get a good deal on your loan.

Essential Documents Required for Applying for Unsecured Loans

When applying for unsecured loan in Cambodia, borrowers typically need to provide the following loan documents:

  • Identification: Valid identification documents, Cambodian citizens typically provide Khmer ID cards to verify your identity.
  • Proof of Income: Recent salary slip, employment contracts, or bank statements. ប្រាក់កម្ចីខ្មែររុងរឿង។ suggests you prepare at least 3 months of the documents to show the consistency of income, it applies to employees and sole proprietors.
  • Residential Proof: Utility bills, rental agreements, or property ownership documents to verify the borrower’s residential address.
  • Credit History: Credit reports or statements detailing the borrower’s credit history and repayment behavior.

Tips for Getting Approved for an Unsecured Loan

To increase the likelihood of loan approval, borrowers can implement the following strategies:

  • Building a Strong Credit History: Maintaining a positive credit history by making timely payments on existing debts and avoiding defaults or delinquencies.
  • Maintaining a Healthy Debt-to-Income Ratio: Ensuring that the total debt obligations do not exceed a certain percentage of the borrower’s income, indicating their ability to manage additional debt responsibly.
  • Negotiating Interest Rates and Loan Terms: Engaging in negotiations with loan providers to secure competitive interest rates and favorable loan terms based on the ភាពសក្តិសមនៃឥណទានរបស់អ្នកខ្ចី and financial profile.

Responsible Borrowing Practices

Getting a loan in Cambodia is easier compared to ten years ago because of technology support. For example, loan applicants don’t have to visit a branch anymore to obtain a loan application form. Contact your personal loan consultant, ប្រាក់កម្ចីខ្មែររុងរឿង។, to experience the streamline loan process with free processing fee and origination fee ថ្ងៃនេះ

Tips for Responsible Borrowing

Nevertheless, we shall not misuse this convenience but we should cherish all these valuable opportunities. 

The Importance of Timely Loan Repayments

It’s super important to pay back loans on time so you can keep a good ពិន្ទុឥណទាន and avoid extra charges like late fees. When you pay on time, it shows you’re good at managing your money, and it helps make your credit record look better.

Avoiding Late Fees and Potential Damage to Credit Score

When you pay your loans late, you have to pay extra fees, and the loan providers have the right to sell your pledged collateral without prior notice to customers. It can make it harder to get loans later on. ប្រាក់កម្ចីខ្មែររុងរឿង។ advises every loan borrower to customize their own repayment strategy and set up reminders or automatic payments to help you remember.

how to avoid income tax penalties and late fees for unsecured loan in Cambodia


Unsecured loans, like student loans and personal loans, are pretty important for helping Cambodians follow their dreams and get more control over their money via mobile devices. If you understand how these loans work, you can make smarter choices and get the cash you need to reach your goals.

Picking the right loan and being careful with your borrowing are really important for making a better financial future. Call ប្រាក់កម្ចីខ្មែររុងរឿង។ to start your first loan application, we’ll bring a whole new fast and simple experience to you.

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សំណួរដែលគេសួរញឹកញាប់ (FAQs)

Q1. What is the difference between a personal loan and an unsecured loan?

A personal loan is a type of unsecured loan. The key difference lies in collateral: personal loans are unsecured, meaning they don’t require collateral, while other unsecured loans, like credit cards, are not typically referred to as personal loans.

Q2. What are two examples of unsecured loans?

Two examples of unsecured loans are personal loans and student loans. These loans do not require collateral, such as property or assets, to secure the loan amount. Instead, they are granted based on the borrower’s creditworthiness and promise to repay the debt.

Q3. Can you get a personal loan unsecured?

Yes, you can get a personal loan unsecured. Personal loans are commonly unsecured, meaning they do not require collateral. Loan providers grant these loans based on factors such as credit history, income, and repayment capacity.

Q4. What is an unsecured bank loan?

An unsecured bank loan is a type of loan that does not require collateral from the borrower. It is granted based on the borrower’s creditworthiness, income, and repayment capacity, without the need for assets such as property or vehicles to secure the loan.

Vannak Sen

Vannak Sen គឺជាទីប្រឹក្សាហិរញ្ញវត្ថុដែលខិតខំប្រឹងប្រែងរបស់ Khmer Prosperity Loan។ ជំនាញរបស់គាត់គឺនៅក្នុងការណែនាំសហគ្រិនតាមរយៈដំណើរការប្រាក់កម្ចីដោយភាពងាយស្រួល។ អត្ថបទរបស់ វណ្ណៈ ផ្តល់ដំបូន្មានសាមញ្ញ និងអាចអនុវត្តបាន ជួយឱ្យអាជីវកម្មរបស់អ្នករុករកទិដ្ឋភាពហិរញ្ញវត្ថុ និងរីកចម្រើន។ សម្រាប់យុទ្ធសាស្ត្រផ្ទាល់ខ្លួន ច្បាស់លាស់ និងជាក់ស្តែងដែលឆ្លើយតបនឹងសហគមន៍ធុរកិច្ចកម្ពុជា ពឹងផ្អែកលើការយល់ដឹងរបស់វណ្ណៈ។

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