X Wallet

A truly automated money lending app

X Wallet

A truly automated money lending app


Borrow Amount
Approval Speed
Fund Transfer
Documents
Contract
Withdrawal & Payment
Fees
Transparency
X Wallet
eXpress personal loan
Borrow as little as $1,000^

Automated 15 seconds result*

Fund transfer as fast as
20 minutes with designated bank

HKID only. No income proof needed

In-App confirmation. No branch visits needed
In-App withdrawal and
payment at anytime
No hidden and early repayment fees
Clear view of all your live transactions
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Zero human interference

A truely automated borrowing experience. Applying, approval result, accepting the contract, and fund transfer can all be done within the mobile app. No branch visits needed at all.
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15 seconds approval result

You shouldn't have to wait any longer. By using Machine Learning, you'll have the loan approval results happening in front of your eyes.
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Fund transfer as little as 20 minutes

Fund transfer is achieve as little as 20 minutes automatically with designated banks. Resolving urgent cash needs.
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Zero income proof

X Wallet needs only your HKID for verification and analysis. Greatly reducing approval time needed.
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Withdrawal and pay at anytime

Flexible withdrawal and payment at anytime offers you the freedom of how your loan is used.


Borrow Amount
Approval Speed
Fund Transfer
Documents
Contract
Withdrawal & Payment
Fees
Transparency
X Wallet
eXpress personal loan
Borrow as little as $1,000^

Automated 15 seconds result*

Fund transfer as fast as
20 minutes with designated bank

HKID only. No income proof needed

In-App confirmation. No branch visits needed
In-App withdrawal and payment at anytime
No hidden and early repayment fees
Clear view of all your live transactions
Image

Zero human interference

A truely automated borrowing experience. Applying, approval result, accepting the contract, and fund transfer can all be done within the mobile app. No branch visits needed at all.
Image

15 seconds approval result

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

Fund transfer as little as 20 minutes

Fund transfer is achieve as little as 20 minutes automatically with designated banks. Resolving urgent cash needs.
Image

Zero income proof

X Wallet needs only your HKID for verification and analysis. Greatly reducing approval time needed.
Image

Withdrawal and pay at anytime

Flexible withdrawal and payment at anytime offers you the freedom of how your loan is used.

X Wallet

A truly automated money
lending app
X Wallet
eXpress personal loan

Borrow Amount

Borrow as little as $1,000^

Approval Speed

Automated 15 seconds result*

Fund Transfer

Fund transfer as fast as 20 minutes with designated bank

Documents

HKID only. No income proof needed

Contract

In-App confirmation. No branch visits needed

Withdrawal & Payment

In-App withdrawal and payment at anytime

Fees

No hidden and early repayment fees

Transparency

Clear view of all your live transactions

Image

Zero human interference

A truely automated borrowing experience. Applying, approval result, accepting the contract, and fund transfer can all be done within the mobile app. No branch visits needed at all.
Image

15 seconds approval result

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

Fund transfer as little as 20 minutes

Fund transfer is achieve as little as 20 minutes automatically with designated banks. Resolving urgent cash needs.
Image

Zero income proof

X Wallet needs only your HKID for verification and analysis. Greatly reducing approval time needed.
Image

Withdrawal and pay at anytime

Flexible withdrawal and payment at anytime offers you the freedom of how your loan is used.
Image
Zero human interference
A truely automated borrowing experience. Applying, approval result, accepting the contract, and fund transfer can all be done within the mobile app. No branch visits needed at all.
Image
15 seconds approval result
You shouldn't have to wait any longer. By using Machine Learning, you'll have the loan approval results happening in front of your eyes.
Image
Fund transfer as little as 20 minutes
Fund transfer is achieve as little as 20 minutes automatically with designated banks. Resolving urgent cash needs.
Image
Zero income proof
X Wallet needs only your HKID for verification and analysis. Greatly reducing approval time needed.
Image
Withdrawal and pay at anytime
Flexible withdrawal and payment at anytime offers you the freedom of how your loan is used.


Borrow Amount
Approval Speed
Fund Transfer
Documents
Contract
Withdrawal & Payment
Fees
Transparency
X Wallet
eXpress personal loan
Borrow as little as $1,000^
Automated 15 seconds result*
Fund transfer as fast as 20 minutes with designated bank
HKID only. No income proof needed
In-App confirmation. No branch visits needed
In-App withdrawal and payment at anytime
No hidden and early repayment fees
Clear view of all your live transactions
X Wallet
eXpress personal loan

Borrow Amount

Borrow as little as $1,000^

Approval Speed

Automated 15 seconds result*

Fund Transfer

Fund transfer as fast as 20 minutes with designated bank

Documents

HKID only. No income proof needed

Contract

In-App confirmation. No branch visits needed

Withdrawal & Payment

In-App withdrawal and payment at anytime

Fees

No hidden and early repayment fees

Transparency

Clear view of all your live transactions

^Only applicable to existing re-loan customers. *K Marketing & Communications Ltd(2018)The average approval time of X Wallet is 15 seconds, 120 times faster than the traditional loan approval time of 30 minutes. 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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Get payment coupons when you've been successfully approved!

Available only for X Wallet

Download on theApp Store Get it onGoogle Play

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

Apply for a large amount personal loan

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

Apply for a large amount personal loan Apply for a large amount personal loan
Most trusted lender

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

Money Lenders Licence: 0433 / 2017
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Most trusted lender

We are a licenced money lender, backed by three companies listed on the stock exchange. We are also a member of the Hong Kong Professional Lenders Association.
Money Lenders Licence: 0433 / 2017
JoeyJoeyX Wallet Customer

It’s really fast! Took me only a few minutes to apply using my Hong Kong ID and I got approved instantly. It was extremely easy, the whole process was done on my smartphone and got my money rightaway.

* Only applicable to customers who have chosen the designated bank

*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 Personal Cash 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
JoeyJoeyX Wallet Customer

It’s really fast! Took me only a few minutes to apply using my Hong Kong ID and I got approved instantly. It was extremely easy, the whole process was done on my smartphone and got my money rightaway.

* Only applicable to customers who have chosen the designated bank

Kelvin W.Kelvin W.X Personal Cash 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

Learn More

X Wallet

eXpress personal loan

  • 15 seconds approval result
  • cash as fast as 20 minutes
  • Apply with your HKID
    • Download on theApp Store Get it onGoogle Play

    X Personal Cash

    Large amount personal loan

  • Clear debts or balance transfer
  • Cash in 30 minutes
  • All credit scores can apply
    • Go Apply
    Learn More

    X Wallet

    eXpress personal loan

  • 15 seconds approval result
  • cash as fast as 20 minutes
  • Apply with your HKID
    • Download on theApp Store Get it onGoogle Play

    X Personal Cash

    Large amount personal loan

  • Clear debts or balance transfer
  • Cash in 30 minutes
  • All credit scores can apply
    • Go Apply
    Learn More

    X Wallet

    eXpress personal loan

  • 15 seconds approval result
  • cash as fast as 20 minutes
  • Apply with your HKID
    • Download on theApp Store Get it onGoogle Play

    X Personal Cash

    Large amount personal loan

  • Clear debts or balance transfer
  • Cash in 30 minutes
  • All credit scores can apply
    • 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

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