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X Wallet eXpress Personal Loan

A truly automated eXpress loan that lets you borrow for one day or as little as $1,000. Instant approval decision and 24hr/7 instant fund transfer.

Learn More
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Search "X Wallet" on the App Store / Google Play or directly scan the QR code to download.

 

Enjoy 14 days interest-free when you’ve been successfully approved!

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X Wallet eXpress Personal Loan

A truly automated eXpress loan that lets you borrow for one day or as little as $1,000. Instant approval decision and 24hr/7 instant fund transfer.

Download on theApp Store
Get it onGoogle Play

Search "X Wallet" on the App Store / Google Play

Enjoy 14 days interest-free
when you’ve been successfully approved!

X Wallet

We always believe any loan products should be designed with simplicity and helpfulness. Human approval gives bias results, ignoring important factors that could impact the approval result of a applicant.

X Wallet breaks the traditional way of lending using Machine Learning and data analysis to deliver an automated borrowing process in 3 easy steps.

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Mob-Ex Awards 2019

Silver for best app in financial services
Silver for most innovative use of mobile
Bronze for best e-commerce solution
Bronze for best result-driven mobile campaign
Bronze for most innovative use of mobile technology

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Mob-Ex Awards 2019

Silver for best app in financial services
Silver for most innovative use of mobile
Bronze for best e-commerce solution
Bronze for best result-driven mobile campaign
Bronze for most innovative use of mobile technology

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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.
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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.
Image

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.
Image

Zero Income Proof

X Wallet needs only your HKID for verification and analysis. Greatly reducing loan processing time.
Image

24hr/7 Instant Funds

Using FPS, fund is instantly transferred automatically. Relieving urgent cash flow.
Image

Zero Branch Visits

The loan process is all done over the mobile phone conveniently. No branch visits are needed.
Image

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.

Daily interest only

$1.6/every $1,000

Interest is based on a daily calulation and displayed in one decimal place for reference only.
^Only applicable to existing re-loan customers. Final approval is subject to the actual situation and financial condition of the customer.

Daily interest only

$1.6/every $1,000

Interest is based on a daily calulation and displayed in one decimal place for reference only.
^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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Experience X Wallet

Machine Learning can improve the accuracy of each approval for future applicants as the machine learns about each applicant itself, making money more accessible to everyone.
Learn More
Download on theApp Store
Get it onGoogle Play

Experience X Wallet

Machine Learning can improve the accuracy of each approval for future applicants as the machine learns about each applicant itself, making money more accessible to everyone.
Download on theApp Store
Get it onGoogle Play
  • applying
  • account
  • Withdrawal
  • Approved
  • Promotion
X Wallet Screenshots

How it works

3 Steps to financial freedom
1
Download and start applying
Verify your HKID. Fill-in a simple application and bank information.
2
Verify identify and approval
Using Machine Learning and data analysis to give you an approval result as fast as 15 seconds.
3
Confirmation and fund transfer
In-app contract confirmation then your fund is transferred to your bank account instantly via FPS available 24/7.
  • applying
  • account
  • withdrawal
  • Approved
  • Promotion
X Wallet Screenshots

How it works

3 Steps to financial freedom
1
Download and start applying
Verify your HKID. Fill-in a simple application and bank information.
2
Verify identify and approval
Using Machine Learning and data analysis to give you an approval result as fast as 15 seconds.
3
Confirmation and fund transfer
In-app contract confirmation then your fund is transferred to your bank account instantly via FPS available 24/7.
  • applying
  • account
  • withdrawal
  • Approved
  • Promotion
X Wallet Screenshots

How it works

3 Steps to financial freedom
1
Download and start applying
Verify your HKID. Fill-in a simple application and bank information.
2
Verify identify and approval
Using Machine Learning and data analysis to give you an approval result as fast as 15 seconds.
3
Confirmation and fund transfer
In-app contract confirmation then your fund is transferred to your bank account instantly via FPS available 24/7.

The approval process is simple:

1. Download X Wallet mobile app. (Add itunes link and android link)
2. Register as a member
3. Tap Apply for X Wallet to start the application process

During the application process:

1. Capture your HKID card
2. Capture your bank account information
3. Answer a few questions
4. Authenticating your identity

After the verification process is complete and once the loan contract is confirmed, the fund will be processed automatically using Faster Payment System (FPS) and instantly deposited into your chosen bank account.

The following are required to apply for an X Wallet loan:

1. Hong Kong Identity Card
2. Hong Kong bank account
3. Hong Kong permanent resident who is aged 18 or above

You can borrow as little as $1000 depends on the circumstances of individual cases. The repayment period is 24 months.

*Only applicable to existing re-loan customers.

To ensure your personal and account information are safe, high standards of security measure is put in place to protect not only you but every users' personal data.

Please visit PDPO for more information about our privacy policy.

More FAQ

Testimonial

What customers are say about the experience with X Wallet
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JAMES
Engineer Clerk
Recently, I needed some money for investing, so I went to several places to apply for a loan. It took a few days to get my loan approved but I was not happy with the offer. So, I tried X Wallet. X Wallet was quick and easy. The entire process was done with only my HKID and I got my loan result a few seconds after I submitted the application. Even better, I got my money in 10 minutes.^ Just in time to make some money. I could even repay right away. It’s so flexible. I was approved for a $15,000 loan and only needed to pay $225 per month.* Thank you, Zero Finance.
*Monthly repayment is based on 18% APR.
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RICK
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.
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JAMES
Engineer
Recently, I needed some money for investing, so I went to several places to apply for a loan. It took a few days to get my loan approved but I was not happy with the offer. So, I tried X Wallet. X Wallet was quick and easy. The entire process was done with only my HKID and I got my loan result a few seconds after I submitted the application. Even better, I got my money in 10 minutes.^ Just in time to make some money. I could even repay right away. It’s so flexible. I was approved for a $15,000 loan and only needed to pay $225 per month.* Thank you, Zero Finance.
*Monthly repayment is based on 18% APR.
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RICK
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.
^Only applicable to customers who have chosen a designated bank for fund transfer. *Final approval is subject to the actual situation and financial condition of the customer. The minimum and maximum repayment period is 1 day and 24 months respectively. The maximum annual percentage rate is 58%.
*最終申請批核與否，視乎客戶的財務狀況而定。實際年利率最高為58%
^Only applicable to customers who have chosen a designated bank for fund transfer. *Final approval is subject to the actual situation and financial condition of the customer. The minimum and maximum repayment period is 1 day and 24 months respectively. The maximum annual percentage rate is 58%.

Download X Wallet for free

eXperience instant cash flow now
Learn More
Download on theApp Store
Get it onGoogle Play

Download
X Wallet for free

eXperience instant cash flow now
Download on theApp Store
Get it onGoogle Play
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