iPhone Screenshots


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 24hr/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
+ 24hr/7 instant fund auto transferred to your bank account by using FPS**
+ 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


Loan example:
Loan amount: $15,000. Daily interest: $3.3
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

Minimum repayment period starting from 61 days and maximum repayment period is 60 months
APR: 58% the highest

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. 0692/2019
Complaint hotline: 2531 0333
Unit 201, 2/F, Kwong Fat Hong Building, 1 Rumsey Street, Sheung Wan, Hong Kong

What’s New


Bug fixes and minor enhancements

Ratings and Reviews

4.5 out of 5
531 Ratings

531 Ratings

順其遊俠區 ,

No hassle

Straight forward and easy. Got my money instantly.

沒溜李悅涵疼 ,

Fast respond

Great service!

我是遊俠區 ,

Fast cash

If you want fast cash, use X Wallet.


131.8 MB

Requires iOS 9.0 or later. Compatible with iPhone, iPad, and iPod touch.


English, Chinese, Simplified Chinese, Traditional Chinese

Age Rating


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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