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.
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.
X Wallet needs only your HKID for verification and analysis. Greatly reducing loan processing time.
Using our designated bank, fund transfer is instantly done automatically. Relieving urgent cash flow.
The loan process is all done over the mobile phone conveniently. No branch visits are needed.
Borrow as little as $1,000 with flexible repayment terms. No hidden and early repayment fees.
X Wallet offers you the freedom of how you use your loan. No restriction of when you can withdrawal and make payments.
Clear view of all your transactions updated in real-time on the APP.
^Only applicable to existing re-loan customers. Final approval is subject to the actual situation and financial condition of the customer.
Offers are subject to Terms & Conditions, please refer to the remarks details.
Get payment coupons when your loan is successfully approved!
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.
X Personal Cash is also available for clearing credit card debts, pay taxes, balance transfer, emergency funding, home upgrade, medical financing, study, and travel.
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.
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.
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.
Apply for X Wallet now and receive $500 repayment coupons when you have successfully approved for a loan.
A member will receive $500 repayment coupon when he/she is successfully approved for a loan, and accept the offer.
The repayment coupon can only be used as deduction for interest payments.
One (1) repayment coupon can be used when the loan interests accumulate and reach to a value of $100.
You can receive a total of five repayment coupons in Rewards page. Each coupon has a face value of $100.
The repayment coupon is in effect only if the accounts of member stay in normal status.
Each repayment coupon can only be used once every 30 days before the expiration date.
A repayment coupon is ready to use when it’s light up in Rewards page.
Pay the loan amounts which are shown in your account.
The coupon amount will be deducted automatically after being used.
You must meet all the criteria of the coupon offer in order to receive the coupon.
If a member repays all his/her loans within 180 days of validity of a repayment coupon, the coupon shall be reserved until the expiration date. If he/she applies for a new loan after he/she repays off his/her loans within 180 days of validity of a repayment coupon, he/she could continue to use the coupon.
A member will not receive any repayment coupon again if he/she increases or decreases his/her loan amount after he/she is successfully approved for a loan for the first time.
Each repayment coupon can only be used once, and it’s non-reusable.
Your continued participation in our promotion will confirm your acceptance of such changes or modifications of these terms and conditions.
Each member can only receive repayment coupon once.
The repayment coupon cannot be redeemed for cash, exchanged for other gifts nor transferable to any third party.
The repayment coupon cannot be used in conjunction with any other promotional offers.
We reserve the right to change or to terminate the promotion at any time without notice.
We will take no responsibility if the member didn’t fully follow the instruction of the promotion redemption.
We reserve the absolute right to the final decision on customer eligibility for the coupons and any disputes.
If Zero Finance discovers at any time, whether after or during the registration period, that any registered customer has submitted false or misleading information or failed to comply with these terms and conditions, Zero Finance is entitled to disqualify the registered customer from participating in the programme and is entitled to forfeit his/her entitlement to receiving the offer.
If there are any inconsistencies between the English version and the Chinese version of the Terms and Conditions of the Promotion, the English version shall prevail.