First Class Motorcycle Hire Purchase Financing
Your Next Ride,
Financed the Straightforward Way
Licensed motorcycle Hire Purchase financing in Kuching. Up to 90% margin, tenures up to 60 months, fixed rates with no surprises.
Flexible Loan Tenures
High Financing Margin
Fast Approval
Financing Solutions
For Where You Are and Where You're Going
Solutions that move with your life. Simple, flexible and built around you.
Ride Forward with Your Next Motorcycle
Stop waiting and start riding. Secure your new or used motorcycle with hassle-free HP financing and flexible repayment plans up to 60 months.
Upgrade Your Smartphone
Get the latest devices without the heavy upfront cost. Enjoy flexible and transparent financing plans designed to keep you connected.
Our Impact
The Numbers That Matter
We keep it simple. Competitive rates, fast approvals, and high financing margins so you can focus on what matters — getting on the road.
On the road
Driving Malaysians forward with simple, transparent motorcycle HP financing.
90%
Maximum financing margin
60
Months maximum tenure
24–48h
Pre-approval turnaround
10%
Fixed interest per annum
Competitive Rates
A Fixed Flat Rate, Locked In for the Full Tenure
Enjoy competitive rates with complete transparency upfront — no hidden charges, no surprises.
High Margin Financing
Secure Maximum Financing for Your Purchase
Get the maximum backing you need with flexible tenure options tailored to fit your budget and your lifestyle.
Quick Turnaround
Pre-Approval Within 24 to 48 Hours
Submit your documents and move forward faster. Our team reviews every application with urgency so you're not left waiting.
Flexible & Transparent
We Look Beyond Your Credit Score
We evaluate your current potential and financial stability. Honest & transparent approach to finding solutions.
What our customers say
“The process was so fast — I got my motorcycle within a week of applying. The team was incredibly helpful from start to finish.”
Ahmad Razak
Motorcycle Owner · Kuching
“Even with my credit history, First Class Credit found a way to help me. Transparent rates, no surprises.”
Siti Nurhaliza · Sibu
“The online application took less than 5 minutes. Pre-approval came in 24 hours. Professional service from start to finish.”
James Lee · Miri
Common Questions
Common Questions,
Straight Answers
Malaysian citizen aged 18–65 at the point of application with a minimum monthly income of RM1,500.
Once we receive your complete documentation (NRIC, latest 3 months’ salary slips, and EPF/bank statements), pre-approval typically takes 24 to 48 hours.
You can finance up to 90% of the motorcycle’s value for a maximum period of 5 years (60 months). Actual margin depends on your profile and the motorcycle.
A fixed flat rate of 10.00% per annum (≈ 0.833% per month), locked in for the full tenure.
Here is a typical representative example for a hire purchase loan. Loan amount RM10,000, 10% flat per annum, 48-month tenure: monthly instalment RM294 and final instalment RM278 (both inclusive of the transaction fee).
No. Per the Product Disclosure Sheet (PDS): Stamp Duty RM20 (without guarantor) or RM60 (with guarantor), e-Hakmilik Charges RM3, and Postage RM10. All fees are disclosed up front.
Ready to Finance Your Next Milestone?
Start your application in just 5 minutes.