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

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!

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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.

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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.
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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%
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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.

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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)