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

Designated bank info

HKID only. No income proof needed

In-App confirmation. No branch visits needed

Payment period from 1 day to 24 months.
In-App withdrawal and payment at anytime

No hidden and early repayment fees

Clear view of all your live transactions

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.

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.

Fund transfer as little as 20 minutes

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

Zero income proof

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

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

Designated bank info

HKID only. No income proof needed

In-App confirmation. No branch visits needed

Payment period from 1 day to 24 months. In-App withdrawal and payment at anytime

No hidden and early repayment fees

Clear view of all your live transactions

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.

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.

Fund transfer as little as 20 minutes

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

Zero income proof

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

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

Designated bank info

Documents

HKID only. No income proof needed

Contract

In-App confirmation. No branch visits needed

Withdrawal & Payment

Payment period from 1 day to 24 months. In-App withdrawal and payment at anytime

Fees

No hidden and early repayment fees

Transparency

Clear view of all your live transactions

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.

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.

Fund transfer as little as 20 minutes

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

Zero income proof

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

Withdrawal and pay at anytime

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

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.

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.

Fund transfer as little as 20 minutes

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

Zero income proof

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

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

Designated bank info

HKID only. No income proof needed

In-App confirmation. No branch visits needed

Payment period from 1 day to 24 months. 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

Designated bank info

Documents

HKID only. No income proof needed

Contract

In-App confirmation. No branch visits needed

Withdrawal & Payment

Payment period from 1 day to 24 months. 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.

Get payment coupons when you've been successfully approved!

Offers are subject to Terms & Conditions, please refer to the remarks details.

Available only for X Wallet

Download on theApp Store Get it onGoogle Play

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

Apply for your X-Large 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: 0659 / 2018

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

RickX 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

Kelvin W.X-Large Personal 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

JoeyX 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.X-Large Personal Loan Customer

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