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【X Pay Users Exclusive】X Cash.AI Reward : $300 Coffee Gift Card for application! Extra $1,500 rewards for loan drawdown!
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【X Pay Users Exclusive】X Cash.AI Reward : $300 X Pay e-Cash Voucher for application! Extra $900 Klook e-Gift Card for loan drawdown!
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【10th Anniversary of Zero Finance】 Double Welcome Offers – Smartphones and Cashback Rewards up to $1,800 — , Private
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Zero Finance provides a wide range of loan options, empowering you to achieve your goals

X Cash Daily interest only $0.032/every $1,000

Zero Human Interference

Zero Human Interference

Lightning Approval in Seconds

Lightning Approval in Seconds

Zero Income Proof

Zero Income Proof

24/7 Instant Funds

24/7 Instant Funds

Zero Branch Visits

Zero Branch Visits

Flexible Loan Amount

Flexible Loan Amount

Withdrawal & Pay At Anytime

Withdrawal & Pay At Anytime

Transparency

Transparency

X Cash A.I. ( Small Loan Amount)

A.I. instant approval, only need HKID card to apply, and the daily interest is only $0.032 per $1,000.

Know More

X Loan ( Large Loan Amount)

X Loan ( Large Loan Amount)

Whether you’re seeking funds for emergencies, home improvements, medical expenses, or any other purpose, we can provide a swift solution. Know More
X Debt Consolidation Loan

X Debt Consolidation Loan

Zero Finance’s professional team provides you with a customized “Debt Consolidation Loan plan”.The application process is simple. All card and loan balances are paid off in one way, it gives you the flexibility to use your cash and helps you improve your TU Report Rating. Know More
X Mortgage Loan

X Mortgage Loan

Provides low-interest property loans for owners, regardless of property type, such as private buildings, corporate shops, etc., including first mortgage and second mortgage. Apply online in just 3 simple steps! Know More

X Property Owner’s Loan

Provide large loan amount for property owners, with loan amounts up to $1,500,000, allowing you to turnaround your cash flow in convenience way, application just in 3 simple steps. Know More
X Fund (SME Loan)

X Funds (SME loan)

No matter which industry you work in, we will provide you with professional advice tailored to your business financial needs Know More

HKIAA Cade Pilot Program Student Loan

No matter which industry you work in, we will provide you with professional advice tailored to your business financial needs Know More

What is the monthly instalment amount ?

3

Steps
to financial freedom!

Verify Identity Open X Wallet, take a photo of Hong Kong ID card to verify your identity, and enter general personal information.
A.I. Instant Approval Using Machine Learning and data analysis to give you an approval result as fast as 5 seconds.

How to Apply:

Verify Identity

Open X Wallet, take a photo of Hong Kong ID card to verify your identity, and enter general personal information.

A.I. Instant Approval

Using Machine Learning and data analysis to give you an approval result as fast as 5 seconds.

Confirmation and fund transfer

Confirm the loan contract and fill-in bank information in app, then the fund will be transferred through FPS instantly to your bank account.

Verify Identity Open X Wallet, take a photo of Hong Kong ID card to verify your identity, and enter general personal information.
A.I. Instant Approval Using Machine Learning and data analysis to give you an approval result as fast as 5 seconds.

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

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