2026 Car Loans in Cambodia Make Owning a Vehicle More Possible Than Ever
Buying a car in 2026 no longer has to depend on years of saving because Cambodian banks are stepping in with affordable car loan programs that make ownership far more realistic for everyday people and businesses alike. With interest rates that are lower than ever and repayment periods stretching up to several years, many drivers can now get behind the wheel sooner than expected. Across Cambodia, major financial institutions are competing to attract borrowers by offering flexible loan sizes, high financing percentages, and terms designed to fit different budgets, whether you are buying a brand new model or a reliable used vehicle.
PPC Bank Offers High Loan Limits and Long Repayment Terms
PPC Bank stands out for borrowers who want bigger financing options, especially those purchasing higher value vehicles. The bank provides new and used car loans of up to $300,000 for individuals and $1,000,000 for companies, making it suitable for both private buyers and fleet owners. Interest rates start at 8.80 percent per year for new cars and 10.90 percent for used cars, while loan coverage reaches 80 percent of the vehicle value for new cars and 70 percent for used ones. Repayment periods are also generous, going up to 108 months for new cars and 84 months for used vehicles, giving borrowers more room to manage monthly payments.
BRED Bank Cambodia Focuses on High Financing for New Cars
BRED Bank Cambodia is especially attractive for buyers who want to finance most of their vehicle’s price. For new cars, the bank offers loans covering up to 90 percent of the car value, with interest rates starting from 8 percent and repayment periods of up to seven years. For single car vehicles, borrowers can access up to 70 percent of the car price, with rates beginning at 9 percent and repayment terms of five years. This structure makes BRED Bank appealing to drivers who want to minimize their upfront payment while still enjoying competitive interest rates.
Canadia Bank Provides Flexible Options for New and Used Vehicles
Canadia Bank gives customers a wide range of options depending on whether they are buying new or used. New car buyers can receive financing of up to 80 percent of the vehicle price, with interest rates ranging from 8.5 percent to 10.5 percent and repayment periods of up to 84 months. For single car vehicles, interest rates range from 10.5 percent to 15.5 percent, with loan terms extending up to 72 months. This flexibility allows borrowers to match their loan package to their budget and the type of vehicle they choose.
Wing Bank Delivers Speed and Convenience for Buyers
Wing Bank is designed for customers who value fast approval and straightforward financing. It offers car loans from $5,000 to $100,000, with competitive interest rates starting at 10 percent. New cars can be financed for up to 96 months, while used cars come with loan terms of up to 60 months. With its quick processing and flexible repayment options, Wing Bank is a strong choice for buyers who want to drive away in a new vehicle without long delays.
Shinhan Bank Offers One of the Lowest Interest Rates
Shinhan Bank attracts borrowers with one of the lowest interest rates in the Cambodian car loan market. It offers financing of up to $100,000 or the equivalent in riel, with an interest rate of just 7.5 percent per year. Loan terms go up to seven years, giving customers both affordability and long term stability. This makes Shinhan Bank a smart option for drivers who want predictable and lower cost monthly repayments.
CIMB Bank Supports Buyers With Deferred Payment Options
CIMB Bank provides loans covering up to 70 percent of the car price, with interest rates of 12 percent for new cars and 15 percent for used cars. One unique feature is its one year payment holiday, allowing borrowers to delay repayments for a year with prior notice before starting to pay. This option is especially useful for buyers who need time to stabilize their finances before beginning regular installments.
Conclusion
With so many competitive car loan options available in Cambodia in 2026, owning a vehicle has become far more accessible than ever before. Whether you are looking for low interest rates, high financing percentages, or longer repayment periods, these six major banks offer solutions tailored to different financial needs. The key is to compare loan conditions carefully and contact each bank directly to find the package that best fits your budget and lifestyle, ensuring that your journey toward car ownership is both affordable and stress free.