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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.

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

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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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HK01 Lifestyle Awards 2022

"Popular Money-Lending Mobile Apps" Awards

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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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HK01 Lifestyle Awards 2022

"Popular Money-Lending Mobile Apps" Awards
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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 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 5 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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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.

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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 through FPS repayment.

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

Image

Lightning Approval in Seconds

By using Machine Learning, it will be zero delay, and you will get the results within 5 seconds.
Image

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 through FPS repayment.
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Transparency

Clear view of all your transactions updated in real-time on the APP.

Daily interest only

$0.22/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

$0.22/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.
Apply Now
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  • applying
  • account
  • Withdrawal
  • Approved
  • Promotion
X Wallet Screenshots

How it works

3 Steps to financial freedom
1

Verify Identity

Open X Wallet, take a photo of Hong Kong ID card to verify your identity, and enter general personal information.
2

A.I. Instant Approval

Using Machine Learning and data analysis to give you an approval result as fast as 5 seconds.

3
Confirmation and fund transfer
Confirm the loan contract and fill-in bank information in app, then the fund will be transferred through FPS instantly to your bank account.
  • applying
  • account
  • withdrawal
  • Approved
  • Promotion
X Wallet Screenshots

How it works

3 Steps to financial freedom
1
Download and start applying
Verify your identity with Hong Kong ID and fill-in general personal information.
2
Verify identify and approval

Using Machine Learning and data analysis to give you an approval result as fast as 5 seconds.

3
Confirmation and fund transfer
Confirm the loan contract and fill-in bank information in app, then the fund will be transferred through FPS instantly to your bank account.
  • applying
  • account
  • withdrawal
  • Approved
  • Promotion
X Wallet Screenshots

How it works

3 Steps to financial freedom
1
Download and start applying
Verify your identity with Hong Kong ID and fill-in general personal information.
2
Verify identify and approval

Using Machine Learning and data analysis to give you an approval result as fast as 5 seconds.

3
Confirmation and fund transfer
Confirm the loan contract and fill-in bank information in app, then the fund will be transferred through FPS instantly to your bank account.

The approval process is simple:

1. Download X Wallet mobile app. 
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. Authenticating your identity
3. Fill in the general personal information

After successful approval, once the loan agreement is confirmed, the loan will be transferred to your bank account by using the "FPS" system.

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

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

You can borrow as little as $1000* depends on the circumstances of individual cases. The longest repayment period is 48 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 click here to visit our Privacy Policy for more information.

More FAQ

Testimonial

What customers are say about the experience with X Wallet
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LYNN

Self-employed

I owned 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 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.
YVONNE

YVONNE

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.

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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.

*Final approval is subject to the actual situation and financial condition of the customer.

*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%
*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
Apply Now
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