X Wallet
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.
Lightning Approval in Seconds
By using Machine Learning, it will be zero delay, and you will get the results within 5 seconds.
Zero Income Proof
X Wallet needs only your HKID for identity verification. No income proof is required, greatly improving the efficiency of borrowing.
24/7 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.
Zero Branch Visits
The loan process is all done over the mobile phone conveniently. No branch visits are needed.
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.
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 through FPS repayment.
Transparency
X Wallet
Zero Human Interference
Lightning Approval in Seconds
Zero Income Proof
24hr/7 Instant Funds
Zero Branch Visits
Flexible Loan Amount
Withdrawal and Pay At Anytime
Transparency
^Only applicable to existing re-loan customers. Final approval is subject to the actual situation and financial condition of the customer.
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.
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: 1064/2022
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: 1064 / 2022
LYNNX Wallet Loan User | Self-employedI 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 5 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 $3.3, and there is no additional charge for early repayment.
*The monthly repayment amount is calculated based on the actual annual interest rate of 8%.
According to user Lynn’s sharing, briefly describe her loan information:
The shortest repayment period starts from 61 days and the longest is 48 months.
Effective annual interest rate: 8%
Interest rate: 0.67% monthly
Loan amount: $15,000
A 48-month installment loan with a monthly repayment: $50
Total repayment: $17,400
The above loan-related fees are for reference only
Actual annual interest rate is from 8% to 48% as maximum.
What customers are saying about the experience with X Wallet
YVONNEX Wallet Loan User | ClerkRecently, 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.
What customers are saying about the
experience with X Wallet
YVONNEX Wallet Loan User | ClerkRecently, 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.
LYNNX Wallet Loan User | Self-employedI 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 5 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 $3.3, and there is no additional charge for early repayment.
*The monthly repayment amount is calculated based on the actual annual interest rate of 8%
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: 8%
Ｍaximum actual annual interest rate: 58%
Loan amount: $15,000
A 24-month installment loan with a monthly repayment: $50
Interest rate: 0.67%monthly
Total repayment: $17,400
The above loan-related fees are for reference only
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