X Wallet - Auto eXpress Loan

Zero wait and experience instant cash in your hands! X Wallet offers you a truly automated borrowing experience in 3 easy steps. With only your HKID and with no income required, enjoy instant approval decision and 24hrs/7 instant fund transfer. The whole borrowing process is done within the app. Download and experience it now!


Loan Features

+ Apply your loan with only your HKID
+ No income proof required
+ Instant approval decision using machine learning
+ 24hrs/7 instant fund auto transferred to your bank account**
+ Borrow as little as $1,000^
+ Withdrawal for any short-term needs
+ Zero hidden fees and no early repayment penalty
+ Loan contract is accepted within APP

^Applicable only to existing loan customers.
**The final approval of the application is subject to the financial condition of the customer.

Received five awards from Mob-Ex Awards 2019 by Marketing Magazine:
+ Silver Award for Best app – financial services
+ Silver Award for Most innovative use of mobile
+ Bronze Award for Best e-commerce solution
+ Bronze Award for Best result-driven mobile campaign
+ Bronze Award for Most innovative use of mobile technology


App features

+ Withdrawal and make payments within the APP
+ Clear view of your loan account details
+ Clear view of all your live transaction activities
+ Enjoy our latest promotions
+ Access customer service within the app
+ Share X Wallet with your friends
+ Touch ID sign-in
+ Apply for a larger amount personal loan


X Wallet Loan Customer | Retail Sales

I am a retail sales who relies on commissions. Recently, my earnings have become unstable due to economic downturn. I tried to apply for several loans from different banks but got rejected because I didn’t have a stable income. Coincidentally I was introduced to X Wallet by my friend and I got $15,000 approved. The daily interest was only $3.3!

According to Lynn’s sharing:

Minimum repayment period starting from 61 days and maximum repayment period is 60 months
APR: 58% the highest
Loan amount: $15,000
Tenor: 24 months, monthly repayment is $102
Monthly interest rate: 0.67%
APR: 8%
Total repayment amount: $17,400

The above loan information is for reference only

X Wallet -- www.zerofinance.hk/en/x-wallet-loan
X Wallet FAQ -- www.zerofinance.hk/en/faq
Facebook gifts and promotion -- www.facebook.com/ZeroFinancehk
Zero Finance HK Web Site -- www.zerofinance.hk/en


About Zero Finance

Zero Finance is a financial technology company aimed to provide a zero limit, zero wait, and zero pain service to the public.


Warning: You have to repay your loans. Don't pay any intermediaries.
Money Lender's Licence No. 0755/2020
Complaint hotline: 2531 0333
Unit 201, 2/F, Kwong Fat Hong Building, 1 Rumsey Street, Sheung Wan, Hong Kong
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572 total

What's New

Bug fixes and minor enhancements
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Additional Information

January 12, 2021
Current Version
Requires Android
4.1 and up
Content Rating
Offered By
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