First N Ever Personal Financing

Get your financial needs sorted with up to RM300,000 financing at a fixed interest rate with First N Ever. No collateral is required and fast approval within 3 to 5 working days.

First N Ever Personal FinancingFinance up to RM300k
Interest Rate
From 12% p.a.
up to RM300k
up to 3 years
Loan Type
Unsecured Loan
Min. Income

Loan calculator

For illustration purposes only. The final loan amount, monthly repayment, plus the interest rates are subject to the bank's assessment and approval.

Interest rates

Based on your loan amount & loan period, the interest rates are as low as the following

You borrowLoan periodYour IncomeInterest rate
RM5,000 - RM300,0006 to 36 monthsmin. RM48,00012% p.a. - 18% p.a.

Fees & Charges

Interest Rate / APR
As low as 12% p.a.,depending on loan amount and period
Processing Fee
As per Loan Agreement
Stamp Duty
 0.5%  of the whole amount
Early Termination Fee
Not applicable
Late Penalty Fee
 8%  from current outstanding amount


Minimum Annual Income
Minimum Age
  • 21 to 60 years old
Who can apply
  • Malaysians
  • Salaried employee
  • Self-employed
  • Not declared bankrupt

More Information

What is First N Ever Personal Financing?

First N Ever offers unsecured personal financing whereby you do not have to provide collateral to make an application. First N Ever is a licensed money lender and credit community registered with KPKT with over 20 years of experience in providing financial assistance to Malaysians.

How much can I borrow from First N Ever?

Depending on your financial needs, you can borrow a minimum of RM5,000 up to a maximum of RM300,000. Please note that the final financing amount will be decided by First N Ever after you have submitted your application.

The financing tenure, on the other hand, is between 6 months and 36 months (3 years), and the interest rate is from 12% to 18% per annum, without collateral.

What are the fees or charges?

Before you apply for First N Ever Personal Financing, note that there are two types of fees that you will need to pay which are the Stamp Duty Fee of 0.5% of the whole financing amount, and the Processing Fee as per your loan agreement with First N Ever.

We also would like to highlight that First N Ever does not require you to pay any advance instalment fee or security deposit before your financing application. So rest assured!

Please check out the Product Disclosure Sheet to find more details about this personal financing.

What happens if I fail to repay my monthly instalments?

If you fail to pay your monthly instalment as agreed, you can be slapped with a late penalty fee of 8% per annum on the outstanding amount. 

It may not seem much but if the late penalty fee is compounded (if you’re deliberately not paying up, of course), it will be difficult for you to settle your outstanding balances thereafter or legal action may be taken against you. 

Make sure you perform your monthly obligations promptly!

How fast can I get my approved financing?

Once your First N Ever Personal Financing application is approved, you can potentially get the approved loan amount within three (3) to five (5) working days.

However, please note that this is subject to your eligibility criteria and First N Ever’s underwriting requirements.

Am I eligible to apply for First N Ever Personal Financing?

Any working or self-employed Malaysians aged 21 years up to 60 years who are not declared bankrupt are eligible to apply for this personal financing. 

You must also earn a minimum annual income of RM48,000 or RM4,000 a month to qualify for an application.

What are the required documents to make an application?

Please prepare the following documents to apply for First N Ever Personal Financing.

  • Copy of your IC (front and back)
  • Latest 3 months' salary slips
  • Latest 3 months' bank statements from your salary crediting account
  • Latest EPF or BE Form
  • Original utility bill receipts such as electricity, water bills, etc.
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