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X Wallet

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Zero Human Interference

A truely automated borrowing experience. Auto approval result, applying, confirming contract, and fund transfer can all be done anywhere in Hong Kong on the mobile app.
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Lightning Approval in Seconds

You shouldn't have to wait any longer. By using Machine Learning, you'll have the loan approval result happening in front of your eyes.
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Zero Income Proof

X Wallet needs only your HKID for verification and analysis. Greatly reducing loan processing time.
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24hr/7 Instant Funds

Using FPS, fund is instantly transferred automatically. Relieving urgent cash flow.
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Zero Branch Visits

The loan process is all done over the mobile phone conveniently. No branch visits are needed.
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Flexible Loan Amount

Borrow as little as $1,000 with flexible repayment terms. No hidden and early repayment fees.
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Withdrawal and Pay At Anytime

X Wallet offers you the freedom of how you use your loan. No restriction of when you can withdrawal and make payments.
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Transparency

Clear view of all your transactions updated in real-time on the APP.
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X Wallet

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Zero Human Interference

A truely automated borrowing experience. Auto approval result, applying, confirming contract, and fund transfer can all be done anywhere in Hong Kong on the mobile app.
Image

Lightning Approval in Seconds

You shouldn't have to wait any longer. By using Machine Learning, you'll have the loan approval result happening in front of your eyes.
Image

Zero Income Proof

X Wallet needs only your HKID for verification and analysis. Greatly reducing loan processing time.
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24hr/7 Instant Funds

Using FPS, fund is instantly transferred automatically. Relieving urgent cash flow.
Image

Zero Branch Visits

The loan process is all done over the mobile phone conveniently. No branch visits are needed.
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Flexible Loan Amount

Borrow as little as $1,000 with flexible repayment terms. No hidden and early repayment fees.
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Withdrawal and Pay At Anytime

X Wallet offers you the freedom of how you use your loan. No restriction of when you can withdrawal and make payments.
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Transparency

Clear view of all your transactions updated in real-time on the APP.
^Only applicable to existing re-loan customers. Final approval is subject to the actual situation and financial condition of the customer.

^Only applicable to existing re-loan customers. Final approval is subject to the actual situation and financial condition of the customer.

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Enjoy 14 days interest-free when your loan is successfully approved!

Available only for X Wallet
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Enjoy 14 days interest-free when your loan is successfully approved!

Available only for X Wallet

Enjoy 14 days interest-free
when your loan is successfully approved!

Available only for X Wallet
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X-Large Personal Loan is also available for clearing credit card debts, pay taxes, balance transfer, emergency funding, home upgrade, medical financing, study, and travel.

X Personal Cash is also available for clearing credit card debts, pay taxes, balance transfer, emergency funding, home upgrade, medical financing, study, and travel.
Most trusted lender

We are a licenced money lender, backed by two listed companies on the stock exchange. We are also a member of the Hong Kong Professional Lenders Association.

Money Lender's License: 0692 / 2019
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Most trusted lender

We are a licenced money lender, backed by two listed companies on the stock exchange. We are also a member of the Hong Kong Professional Lenders Association.
Money Lender's License: 0692 / 2019
RickRickX Wallet Loan Customer | School Manager

With my busy lifestyle, I couldn’t physically go anywhere to apply for any loan. With X Wallet, I got my loan approved instantly and my contract signed without showing up, and got my money within 15 minutes! All done on the app. X Wallet is absolutely my first choice for quick financing. I highly recommend it.

*The final approval of the application is subject to the financial condition of customer.
Testimonial
What customers are saying about the
experience with Zero Finance
Kelvin W.Kelvin W.X-Large Personal Loan Customer

Zero Finance combined all my loans from different lenders with different rates and payment dates it into one more affordable fixed-rate monthly payment. Not only does this make my life easier but also, I am now able to pay off my debts sooner.

Testimonial
What customers are saying about the
experience with Zero Finance
RickRickX Wallet Loan Customer | School Manager

With my busy lifestyle, I couldn’t physically go anywhere to apply for any loan. With X Wallet, I got my loan approved instantly and my contract signed without showing up, and got my money within 15 minutes! All done on the app. X Wallet is absolutely my first choice for quick financing. I highly recommend it.

Kelvin W.Kelvin W.X-Large Personal Loan Customer

Zero Finance combined all my loans from different lenders with different rates and payment dates it into one more affordable fixed-rate monthly payment. Not only does this make my life easier but also, I am now able to pay off my debts sooner.

*The final approval of the application is subject to the financial condition of customer.

Media Coverage

X Wallet

eXpress personal loan

  • 24/7 lightning approval and fund transfer
  • Apply with only your HKID
  • Zero human interruption and no branch visits

    • X-Large Personal Loan

    A larger amount personal loan

  • Clear debts or balance transfer
  • Loan amount of up to $700,000
  • All credit scores can apply
    •

    X Wallet

    eXpress personal loan

  • Lightning approval in seconds
  • Zero income proof needed
  • Apply with only your HKID
    •

    X Personal Cash

    Larger amount personal loan

  • Clear debts or balance transfer
  • Loan amount of up to $700,000
  • All credit scores can apply
    •

    X Wallet

    eXpress personal loan

  • 24/7 lightning approval and fund transfer
  • Apply with only your HKID
  • Zero human interruption and no branch visits
    •

    X Personal Cash

    Larger amount personal loan

  • Clear debts or balance transfer
  • Loan amount of up to $700,000
  • All credit scores can apply

    • X Mortgage

    Loan

  • For large investments
  • Apply with any of your properties
  • Peace of mind process by a lawyer

    • X Property Owner's

    Loan

  • A larger personal loan for property owners
  • Not limited by income proof
  • Require no title deed or a lawyer