First Class HP Motorcycle Loans
"Turn your two-wheeled goals into reality with hassle-free HP financing in Kuching and beyond, featuring flexible repayments of up to 60 months."
Explore Financing
"Turn your two-wheeled goals into reality with hassle-free HP financing in Kuching and beyond, featuring flexible repayments of up to 60 months."
Explore FinancingAt First Class Credit, we provide fast and accessible financing to help you achieve your goals—whether you're hitting the road or funding your next big purchase.
Stop waiting and start riding. Secure your new or used motorcycle quickly with our hassle-free HP financing and flexible repayment plans up to 60 months.
Whether you are upgrading your essential daily devices or funding a personal milestone, our flexible financing is designed to make your aspirations a reality.
Enjoy fixed or variable interest rates designed to match your unique financial profile.
Get the maximum backing you need by financing up to 90% of your purchase's value.
Move forward faster with pre-approval status typically granted within 24 to 48 hours of your document submission.
We look beyond traditional credit scores to evaluate your true stability, operating with full transparency and zero hidden charges.
"First Class Credit made getting my bike simple and fast. I was on the road in Kuching in less than 48 hours! Zero stress."
Generally, you must be a Malaysian citizen aged 18–65 at the point of application. You’ll need a minimum monthly income of RM1,500.
Once we receive your complete documentation (NRIC, 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).
Our competitive rates are simplified for your benefit:
0.833% per month (flat)
10% per annum (flat)
*Calculated as RM5,000 principal + RM1,000 total interest, divided by 24 months.
We practice full transparency. Typical costs include a Stamp Duty, Processing Fees, and JPJ Ownership Claim (Hakmilik) fee. These will be clearly stated in your Product Disclosure Sheet (PDS).
"We are putting the final touches on our new financing solutions! Check back soon for details on how we can help fund your specific lifestyle and device upgrades."
We are here to help you achieve your financial and lifestyle goals. Whether you have questions about your application or need advice on the best financing plan, our team at First Class Credit is ready to assist.
LOT 442, Ground Floor Section 11, KTLD, Jln Kulas, Kampung Bandarshah, 93400 Kuching, Sarawak
+6082-549 196
Our Response Promise: We value your time. All inquiries made during office hours (Mon–Fri, 8:30am–5:30pm) will receive a personalised response as soon as possible.
Effective Date: April 14, 2026
First Class Credit ("we", "us", "our") is committed to protecting your personal data in accordance with the Personal Data Protection Act 2010 (PDPA) of Malaysia.
We collect personal information that you provide to us through our website and WhatsApp, including but not limited to your Name, Contact Number, and financial details required for motorcycle hire-purchase applications.
Your data is processed for the following purposes:
We do not sell your personal data. We may disclose your data to authorized third parties such as government authorities (JPJ), financial institutions, or legal advisors solely for processing your loan and ownership claims.
We implement strict security measures to protect your personal data from unauthorized access, alteration, or disclosure.
You have the right to access, correct, or withdraw consent for the processing of your personal data. Please contact us via our WhatsApp at +6016-932 8901 for any data-related inquiries.
First Class Credit (Kuching, Sarawak)