Frequently Asked

X Wallet Loan

Technical Problems
Getting Started
Applying for a X Wallet loan


Rates, Fees & Charges
About Credit Score

X-Large Personal Loan

Please provide the following documents to apply for X Personal Cash: 1. Hong Kong Identity Card 2. Latest 2 months of your Residential Address Proof 3. Latest 2 months of your Bank Account Records (Personal/Commercial) 4. Latest 2 months of your Income Proof (eg. Bank Statement/Employment Certificate/Tax Demand Note) and Proof of employment If you have any further problems about the required documents, please do not hesitate to contact our customer service team: 2531 0333. We will give you the most relevant advice on every situation.
Credit Score
Yes. Credit score is for our reference only and is not a major consideration in loan approvals. We aim to offer you the best Personal loan plan to help you with your financial needs.

Property Owner's Loan

It is a personal loan plan with a larger loan amount for landlords under the Home Ownership Scheme and Tenants Purchase Scheme with premium unpaid. Apply now.


When the owner of property needs a loan, he/she can use his/her property with outstanding mortgage to apply for another property loan, which is known as a “second mortgage”. The borrower may obtain further finance under the same property while the terms under the first mortgage remains the same.

Stock-backed Loan

With stock-backed loan, you can pledge shares to obtain a credit line and transform them to enjoy extra liquidity and convenient financial management.