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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. 15 Seconds approval decision.

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

 
Get it onGoogle Play Download on theApp Store
Get coupons towards your payment 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. 15 Seconds approval decision.

Download on theApp Store Get it onGoogle Play

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

Get coupons towards your payment 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.



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

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
Other
Lenders
Amount not adjustable
Manual approval. 1-3 days.
Manual transfer. 1-3 days.
Request submission of documents
In-branch signing
Fixed monthly payment. No flexibility
Penalty on early settlements
Statement by mail


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

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
Other
Lenders
Amount not adjustable
Manual approval. 1-3 days.
Manual transfer. 1-3 days.
Request submission of documents
In-branch signing
Fixed monthly payment. No flexibility
Penalty on early settlements
Statement by mail


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

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

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

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. *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.

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. *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.
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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.
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 as little as 20 minutes.
  • 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 as little as 20 minutes.
  • 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 as little as 20 minutes.

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

Upon successful approval, a SMS confirmation and electronic contract will be sent to you. After accepting the contract, your money will be transferred to your designated bank account that you have chosen.

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 now
Download on theApp Store Get it onGoogle Play

Download
X Wallet for free

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