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X Wallet

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Zero Human Interference

A truly automated borrowing experience. The entire process from apply, contract signing to fund transfer can be completed without any manpower, just through the mobile app in Hong Kong.

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Lightning Approval in Seconds

By using Machine Learning, it will be zero delay, and you will get the results within 15 seconds.

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Zero Income Proof

X Wallet needs only your HKID for identity verification. No income proof is required, greatly improving the efficiency of borrowing.

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24hr/7 Instant Funds

Once the loan contract is confirmed, the funds will be instantly transfer to your bank account by using the "FPS" system, solve your cash flow problems immediately.

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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

The loan amount can be as low as $1,000^, the repayment period is also very flexible, there are no hidden charges, and no penalty for early repayment.

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Withdrawal and Pay At Anytime

Borrowing and repayment with X Wallet Loan APP is no longer restricted by time and geographical area, helps you manage your budget.

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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.
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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.
^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

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

Available only for X Wallet

Apply Now
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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

Trustworthy Listed Company

Zero Finance is a subsidiary of Termbray Industries (Hong Kong Stock Exchange No.0093), a credit company with money lender license in Hong Kong. As a member of the Hong Kong Finance Professional Association, Zero Finance is devoted to lead the financial and loan industry with technology, and providing reliable and diversified financial products to public .

Money Lender's License: 0849 / 2021

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Most trusted lender

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

Money Lender's License: 0849 / 2021

LYNNLYNNX Wallet Loan User | Self-employed

I opened a retail fashion store. Due to the deteriorating social environment, not only affect the income, but even the funds for purchasing goods became scarce. Because of the unstable income, it is impossible for me to apply for a loan at the bank. Sometimes I feel hesitant. As I saw the X Wallet advertisement on the Internet. It took about 15 minutes from downloading the APP to receiving the loan transfer notification. It really helped me a lot! For a loan of $15,000, the daily interest is only $3.6, and there is no additional charge for early repayment.

*The monthly repayment amount is calculated based on the actual annual interest rate of 9%.

According to user Lynn’s sharing, briefly describe her loan information:
The shortest repayment period starts from 61 days and the longest is 60 months.
Effective annual interest rate: 9%
Maximum actual annual interest rate: 58%
Loan amount: $15,000
A 24-month installment loan with a monthly repayment: $112.5
Interest rate: 0.75% monthly
Total repayment: $17,700
The above loan-related fees are for reference only

Testimonial

What customers are saying about the experience with X Wallet

YVONNEYVONNEX Wallet Loan User | Clerk

Recently, my family needs some money for medical expenses, but I have called two finance companies that I am already a client to apply for extra loan amount but were rejected. Fortunately, a friend introduced me a loan app – X Wallet of Zero Finance. The entire loan application process takes only few minutes, the loan can be automatically transferred even on Sundays, repay as much as you used. The repayment method is also very convenient, and I will recommend it to more friends in need in the future.

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

Testimonial

What customers are saying about the
experience with X Wallet

YVONNEYVONNEX Wallet Loan User | Clerk

Recently, my family needs some money for medical expenses, but I have called two finance companies that I am already a client to apply for extra loan amount but were rejected. Fortunately, a friend introduced me a loan app – X Wallet of Zero Finance. The entire loan application process takes only few minutes, the loan can be automatically transferred even on Sundays, repay as much as you used. The repayment method is also very convenient, and I will recommend it to more friends in need in the future.

LYNNLYNNX Wallet Loan User | Self-employed

I opened a retail fashion store. Due to the deteriorating social environment, not only affect the income, but even the funds for purchasing goods became scarce. Because of the unstable income, it is impossible for me to apply for a loan at the bank. Sometimes I feel hesitant. As I saw the X Wallet advertisement on the Internet. It took about 15 minutes from downloading the APP to receiving the loan transfer notification. It really helped me a lot! For a loan of $15,000, the daily interest is only $3.6, and there is no additional charge for early repayment.

*The monthly repayment amount is calculated based on the actual annual interest rate of 9%

According to user Lynn’s sharing, briefly describe his loan information:
The shortest repayment period starts from 61 days and the longest is 60 months
Effective annual interest rate: 9%
Ｍaximum actual annual interest rate: 58%
Loan amount: $15,000
A 24-month installment loan with a monthly repayment: $112.5
Interest rate: 0.75%monthly
Total repayment: $17,700
The above loan-related fees are for reference only

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

Media Coverage

TOPick
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

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  • 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

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    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
    • Apply Now
    Image Image

    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