X Wallet: A.I. Loan & BNPL APP 4+

Fintech Lending & Payment


Designed for iPhone

    • Free

iPhone Screenshots


X Wallet is the 1st A.I. Express Loan App in HK, only 3 simple steps from application to loan approval: (1) Hong Kong ID card verification, (2) Instant A.I. approval within 5 seconds, (3) Cash transfer and repay by FPS.

Give you a 100% automated lending experience, without face-to-face throughout the whole process, no manual input, supporting documents waiver, just apply online by your mobile phone, and you can apply & receive cash at 24/7, weekday or holiday.

New function X Pay – Buy Now Pay Later (BNPL) is launched now, 3 simple steps for flexible installment: (1) Simple registration as X Pay member, (2) Bind your credit card / debit card, (3) Scan QR code & split your purchase into 3 interest-free installments.

X Pay BNPL function, the whole process is carried out in App, installment amount up to $5,000, split your purchase in 3 months, autopay, no charges or hidden fee, latest offers & discount from HK retailers. You can enjoy the cash rebates & rewards.

Download X Wallet to enjoy the express loan & BNPL - brand new financial experience!

X Wallet Welcome Offer:

Different welcome offers are launched every month. New customer enters the promotion code to apply loan, you can enjoy the rewards whatever loan approve or not. If you confirm the loan contract, you can enjoy the cash rewards or gift coupon. The cost of rewards up to $1,000. We also provide X Pay open account offer. For more details, please navigate X Wallet APP and official website (https://www.zerofinance.hk/en/ )

*Terms & conditions apply.

X Wallet Features:

- 5 seconds A.I. approval: Instant loan approval result.
- 24/7 instant transfer and repay by FPS: Once confirm the loan contract, the cash will be transferred to your Hong Kong bank account by FPS immediately**.
No supporting document is required: Only HKID card and bank account number are required for applying the loan and receiving the cash, income proof or other supporting documents are waived.
- Revolving Loan: All repaid loan amount will be transferred to your loan account as standby cash. Users can make unlimited withdrawals without reapplying. The flexible loan amount is as low as $1,000^.

X Pay Features:

- Simple registration & bind your credit card / debit card
- Scan merchant’s QR code & split your purchase into 3 interest-free installments.
- Autopay, no charges or hidden fee

^Applicable only to existing loan customers.
*The final approval of the application is subject to the financial condition of the customer.
Below example of total loan costs is for reference only:

Loan amount: $15,000
Daily interest: $3.3
Tenor: 24 months, monthly repayment is $102
Monthly interest rate: 0.67%
Annual Percentage Rate: 8%
Total repayment amount: $17,400

The minimum repayment period is 1 day. Maxium repayment period is 48 months. The highest Annual Percentage Rate (APR): 48%
X Wallet - The 1st A.I. Express Loan & Buy Now Pay Later App in HK is the brand of "Zero Finance Hong Kong Co., Ltd.", which is a wholly owned subsidiary of ‘’Termbray Industries International (Holdings) Limited’’ (Stock Code:0093). "Zero Finance Hong Kong Limited" reserves the right of final decision on loan approval.

Warning: You have to repay your loans. Don't pay any intermediaries.
Money Lender's License No. : 1100/2023
Enquiry & Complaint hotline : 2531 0333
Branch address | Loan services : Unit 201, 2/F, Kwong Fat Hong Building, No.1 Rumsey Street, Sheung Wan, Hong Kong.
(Sheung Wan MTR - Exit E2)

What’s New

Version 9.7

New function 'X Pay – Buy Now Pay Later' is launched now, enjoy a flexible shopping experience.

Ratings and Reviews

4.2 out of 5
725 Ratings

725 Ratings

chancat123 ,

Very convenient

Thx for ur help when I’m lack of money. It’s so convenient to proceed the loan by apps and pay back in 7-11 store.

Developer Response ,


順其遊俠區 ,

No hassle

Straight forward and easy. Got my money instantly.

Developer Response ,


SSfai ,

Good good

Easy to use and 14 days without interest

Developer Response ,

Hi, thank you for your feedback, we are happy to hear X Wallet is user-friendly and our 14-day interest free offer is attractive. Your support make us doing better! We are going to offer different promotions in the upcoming future, please pay attention to the updates in our official website, Facebook and Instagram pages to get the details!
If you have any suggestions, or have difficulties in using X Wallet, please feel free to find our customer representative at tel: 2531 0333 or email: cs_support@zerofinance.hk, we are happy to answer you. Thank you!

App Privacy

The developer, ZERO FINANCE HONG KONG LIMITED, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Location
  • Contact Info
  • Identifiers
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More

You Might Also Like

Grantit - Personal Finance App
天星銀行Airstar Bank - 香港虛擬銀行
CreFIT - Quick Loan & Credit
sim Credit Card