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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

Image

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.
Image

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.
Image

Flexible Loan Amount

Borrow as little as $1,000 with flexible repayment terms. No hidden and early repayment fees.
Image

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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Apply now to enjoy 24hr/7 instant fund transfer!

Available only for X Wallet

Qr code
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Apply now to enjoy 24hr/7 instant fund transfer!

Available only for X Wallet

Download on theApp Store
Get it onGoogle Play

Apply now to enjoy 24hr/7 instant fund transfer!

Available only for X Wallet

Download on theApp Store
Get it onGoogle Play
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Zero Finance offers loans to meet your needs for diverse purposes, especially in low interest rate to reduce your burden of life.

Zero Finance offers loans to meet your needs for diverse purposes, especially in low interest rate to reduce your burden of life.

Apply for a large amount personal loan
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: 0755 / 2020
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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: 0755 / 2020
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
JAMESJAMESX Wallet Loan Customer | Engineer Clerk

Recently, I needed some money for investing, so I went to several places to apply for a loan. It took a few days to get my loan approved but I was not happy with the offer. So, I tried X Wallet. X Wallet was quick and easy. The entire process was done with only my HKID and I got my loan result a few seconds after I submitted the application. Even better, I got my money in 10 minutes.^ Just in time to make some money. I could even repay right away. It’s so flexible. I was approved for a $15,000 loan and only needed to pay $225 per month.* Thank you, Zero Finance.

*Monthly repayment is based on 18% APR.
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.

*The final approval of the application is subject to the financial condition of customer.
JAMESJAMESX Wallet Loan Customer | Engineer Clerk

Recently, I needed some money for investing, so I went to several places to apply for a loan. It took a few days to get my loan approved but I was not happy with the offer. So, I tried X Wallet. X Wallet was quick and easy. The entire process was done with only my HKID and I got my loan result a few seconds after I submitted the application. Even better, I got my money in 10 minutes.^ Just in time to make some money. I could even repay right away. It’s so flexible. I was approved for a $15,000 loan and only needed to pay $225 per month.* Thank you, Zero Finance.

*Monthly repayment is based on 18% APR.

Media Coverage

HK01
Economic Digest
Capital Weekly

X Wallet

eXpress personal loan

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

    X-Large Personal Loan

    A Large Personal Loan

  • Loan amount up to $700,000
  • Repayment period can be up to 120 months
  • Application with all credit rating are accepted
    • Go Apply

    X Mortgage

    Loan

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

    X Property Owner's

    Loan

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

    X Wallet

    eXpress personal loan

  • Lightning approval in seconds
  • Zero income proof needed
  • Apply with only your HKID
    • Download on theApp Store
    Get it onGoogle Play

    X Personal Cash

    Larger amount personal loan

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

    X Wallet

    eXpress personal loan

  • 24/7 lightning approval and fund transfer
  • Apply with only your HKID
  • Zero human interruption and no branch visits
    • Download on theApp Store
    Get it onGoogle Play

    X-Large Personal Loan

    A Large Personal Loan

  • Loan amount up to $700,000
  • Repayment period can be up to 120 months
  • Application with all credit rating are accepted
    • Go Apply

    X Mortgage

    Loan

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

    X Property Owner's

    Loan

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