With an C.K.L.S Finance Plc ‘s Personal Loan, you’ll get the most out of life! C.K.L.S Finance Plc ‘s Personal Loan can help improve your standard of living. You will get the things that add more zest to your life — the stylish hi-fi set you’ve been eyeing for months, or the sofa you simply must have. Anything your heart desires.
Loan Period, Loan Size, and Interest Rate
1-Car Loan
A car loan provides fast and flexible financing to help customers own a vehicle for personal use or business growth—enhancing mobility, convenience, and income opportunities while maintaining financial stability.
Do you need loan? You can apply all types of C.K.L.S Finance Plc ‘s loans as needed here!
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Offer to individual regular income customer who wish to own a personal car.
Benefits
Owning a dream and lovely car
Converting from a full payment to monthly installment
Enhancing family’s welfare
Opportunity to use other C.K.L.S Finance Plc‘s products & services
Special Features
Available in US dollar.
Can buy a brand-new car or used car with customs duties which is 15 years old or less from its producing year to present.
Can buy a used car with plate number which is 10 years old or less from its producing year to present.
Loan period is up to 60 months, but not exceed the retirement age or over 60 years of age.
Maximum loan amount of USD10,000 but:
not more than 100% of car price, if having a house or land as collateral.
not more than 85% of car price, if having a brand-new car (hybrid/electric vehicle) as collateral.
not more than 75% of car price, if having a brand-new car or used car with customs duties as collateral.
not more than 60% of car price, if having a used car with local plate number as collateral.
Interest rate from 18% per annum.
Customer Requirements
Being a majority
Be a majority aged 18 to 65 years old
Having a permanent address certified by local authority
Having a good history, reputation, and attitude
Having a proper job, salary, or sustainable income guarantee to pay back
The employment contract required to certify if employee of a company, organization or institution
Having ID card, family book, residence book, or other valid documents
Please contact our nearest branch or our Call Center for our services requirements and more information. Contact our Via Telephone: 086256425!!!
2-Motor Bike loan
A Motorcycle Loan offers smart, accessible financing that empowers customers to own a motorbike—enhancing mobility, unlocking income potential, and supporting a more independent and productive lifestyle.
Do you need loan? You can apply all types of C.K.L.S Finance Plc ‘s loans as needed here!
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Motorbike Loan is provided to you who have a regular income to get a motorbike for your family or business.
Benefits
Owning a lovely motorbike
Converting a gross payment to monthly installment
Promoting welfare of your family and the society
Features of Motorbike Loan
Available in US Dollar.
Be able to buy any types of brand-new motorbike or used motorbike from legal suppliers.
Loan size is up to US$3,000 but no more than 80% of the motorbike price (if collateralized by the bought motorbike).
Maximum of loan period is up to 3 years for:
Customers who are employees and will not exceed the retirement age.
Other customers will not be over 60 years of age.
Interest rate from to 18% per year.
Requirements
Being a majority
Be a majority aged 18 to 65 years old
Having a permanent address certified by local authority
Having a good reputation, and attitude
Having a proper job, salary, or sufficient income to guarantee the pay back
For employee of a company, organization or other institutions, you need a certified letter or employment contract to ensure your employment is longer than repayment period
Having ID card, family book, residence book, or other valid documents
Please contact our nearest branch or our Call Center for our services requirements and more information. Contact our Via Telephone: 086256425!!!
Financing your children’s higher education for their bright future should no longer be your concern…Student Loan is offered parents or guardians who need cash to pay for their children’s tution fee to continue studying at institute (a minimum of 03 months study period) or university after high school graduated (Bac II) in country or abroad.
Type of Student Loan
There are two types of student loan:
Receiving money one time based on the receipt of the institute or university;
Receiving money frequently based on the receipt of the institute or university in semester or year.
Do you need loan? You can apply all types of C.K.L.S Finance Plc ‘s loans as needed here!
Apply Now
Benefits
Fulfill a shortage of funds for studying period of your children or someone in your responsibility;
Transform gross expend into paying back to the bank monthly with low interest;
Be confident of future study of your children or someone in your responsibility.
Special Features
Currency type in US dollar.
Loan size up to US$1,000; but not over than a total of study fee (maximum loan size of US$2,500 for student customers who have stable employment in the private, public, national and international institutions or in projects and there is a need for further study).
Loan period is based on the total period of whole course plus a maximum of 12 months (for course period from 12 months).
Loan period is offered two times of whole course (for course period less than 12 months).
Interest rate from 18% per year.
Requirements
Having a permanent address which is certified by local authority;
Be a majority aged 18 to 65 years old
Ensuring to provide student confirmation letter from the institute or university and student transcript as required;
Having a proper work, salary, or sufficient income (students’ parents or guardians);
Giving receipt or letter confirmation of school fee from the institute or university to the bank when receiving money;
Having any collateral for assuring the lending money.
Please contact our nearest branch or our Call Center for our services requirements and more information. Contact our Via Telephone: 086256425!!!
4-Mobile Loan
Mobile Loan product is to provide customers with fast, convenient, and secure access to financing through digital channels—enabling them to address immediate financial needs and manage cash flow efficiently.
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Benefits
Instant Access to Funds – Borrow money anytime, anywhere using your mobile device.
Convenience – Apply and receive funds without visiting a branch.
Quick Approval – Fast processing and immediate disbursement.
Flexible Repayment – Repay according to your financial situation.
Financial Inclusion – Enables access to credit for unbanked or underbanked customers.
Secure and Transparent – Safe, reliable, and fully traceable transactions.
Modern & Digital – Supports a tech-savvy, on-the-go lifestyle.
Special Features
Loan period is up to 18 months
Loan size is up to KHR 8,000,000
Interest rate from 10.75% to 18% per annum
Requirements
Be a Majority;
Be a majority aged 18 to 65 years old
Have permanent address;
Currently employed or self-employed to ensure regular payment;
Have any collateral for assuring the lending money and/or have an assurer;
Have own 10% to 20% cash of total price of things you need to buy;
Please contact our nearest branch or our Call Center for our services requirements and more information. Contact our Via Telephone: 086256425!!!
5-Staff Loan
Staff Loan is a personal loan that you can request on C.K.L.S Finance Plc by using your payroll account as collateral.Loan approval is easy and simple, done through staff of C.K.L.S Finance Plc immediately and automatically,
Benefits
Provides employees with quick, convenient, and low-interest financing, flexible salary-based repayment, financial support for personal needs, and promotes employee satisfaction and stability.
Special Features
Loan size: from KHR400,000 to KHR8,000,000 or equivalent.
Interest rate
KHR: 18% per annum.
USD: 18% per annum.
Loan period: up to 18 months.
Requirements
Staff of CKLS Finance Plc
Loan fee: 1% of loan amount.
Credit Bureau Cambodia (CBC) fee will be displayed when applying loan.
Repayment
Repay the principal plus interest (fixed) every month.
Please contact our nearest branch or our Call Center for our services requirements and more information. Contact our Via Telephone: 086256425!!!