About Us

Your Trusted Partner
in Financing Services

Whether you are upgrading your ride or your smartphone, we help Malaysians reach their goals with flexible, transparent, and reliable hire purchase financing.

Trusted by Malaysians
since 2018

Flexible solutions
for your needs

Fast approvals,
hassle-free

At First Class Credit, we believe reaching your goals should be an exciting milestone, never a financial burden.

Based in Kuching, Sarawak, First Class Credit Sdn. Bhd. (201801009791 / 1271805-K) is a licensed credit provider offering accessible hire purchase solutions to individuals. As a trusted institution governed by the Hire Purchase Act 1967, we provide the financial backing you need to move forward. Whether you are hitting the road with our Motorcycle HP Financing or staying connected through our Smartphone HP Financing, we bridge the gap between your aspirations and reality.

Proudly based in Kuching, Sarawak

Serving communities across Sarawak and supporting Malaysians nationwide.

10K+

Happy Customers

Years of Experience

98%

Customer Satisfaction

Our Advantage

Why First Class Credit?

Speed

You get fast pre-approvals so you can secure your ride or device without the wait.

Flexibility

We look beyond traditional credit scores. We evaluate your current potential and financial stability to find a plan that works for you.

Transparency

No hidden charges, no surprises. We operate with complete transparency so your consumer rights are always protected — in full compliance with the Hire Purchase Act 1967.

Personalised Service

Our dedicated team of specialists guides you through every document, application, and signature. You're never just a number.

Our Mission

To empower Malaysians by providing inclusive financial solutions that drive mobility, digital connectivity, and economic growth.

Our Values

The Values That
Drive Everything We Do

Integrity

Fair interest rates and honest communication. We say what we mean and mean what we say.

Innovation

A seamless online application process designed to save you time and effort. We invest in technology that makes your experience better.

Commitment

Supporting you from your very first instalment all the way to your final payment and ownership transfer.

Our Partner

Powered by JomKaki Motor

At First Class Credit, we are committed to making your upgrades as seamless as possible. To bring our financial solutions directly to you, we have proudly partnered with JomKaki Motor.

As our official vendor partner, JomKaki Motor serves as your premier destination to access our Hire Purchase (HP) financing. Whether you are looking to hit the road with a new motorcycle or upgrade your tech with the latest smartphone, you can easily apply for and utilise our flexible financing plans directly through JomKaki Motor. Together, we ensure a smooth, hassle-free experience from application to ownership.

Visit JomKaki Motor