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X Wallet eXpress Personal Loan

A truely automated borrowing experience

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 truely automated borrowing experience

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
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
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
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

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. *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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JOEY
X Wallet customer
It’s really fast! Took me only a few minutes to apply with my Hong Kong ID and got approved instantly. It was extremely easy, the whole process was done on my smartphone and got my money right away.
* Only applicable to customers who have chosen the designated bank
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RYAN
X Wallet customer
I was due on my rent and my employer was late on my paycheck. So, I tried applying for X Wallet and got my money in my bank account as soon as I got approved. It was a life saver. I was approved for a $15,000 loan and only needed to pay $225 per month.
*Monthly repayment is based on 18% APR
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JOEY
X Wallet customer
It’s really fast! Took me only a few minutes to apply with my Hong Kong ID and got approved instantly. It was extremely easy, the whole process was done on my smartphone and got my money right away.
* Only applicable to customers who have chosen the designated bank
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RYAN
X Wallet customer
I was due on my rent and my employer was late on my paycheck. So, I tried applying for X Wallet and got my money in my bank account as soon as I got approved. It was a life saver. I was approved for a $15,000 loan and only needed to pay $225 per month.
*Monthly repayment is based on 18% APR
*Final approval is subject to the actual situation and financial condition of the customer. Effective interest rate from 8% - 58% APR.
*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. Effective interest rate from 8% - 58% APR.

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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