Promotion Code: X2026
Promotion Period: From 17 Dec 2025 to 31 Dec 2025
Promotion Details
- During the promotion period, new customers^ applying for the X Cash.AI Loan for the first time and entering the promo code “X2026” during the application process will enjoy a 100% interest discount for the first 30 days upon loan confirmation.
- The interest discount will be issued as a cash rebate, equivalent to the interest the customer needs to pay within the first 30 days from the loan effective date.
- The customer’s account must have no repayment records during the promotion period to enjoy this offer.
- ^New customers must apply for the X Cash.AI Loan for the first time and meet the following conditions:
A. Must not have applied for or held any loan accounts with X Lend in the past 12 months;
B. Must apply for the X Cash.AI Loan for the first time in the past 12 months, enter the promo code “X2026,” and confirm the loan contract.
Examples of Reward Release
| Approved Loan Amount | Promo Period (i.e., December 17 to December 31) | Reward | |
| Repayment Records | Interest Rebate Reward | ||
| $180,000 | Confirmed loan contract on December 17 and no repayment record before or on December 31. | Normal and active | 100% interest rebate for the first 30 days. |
| $128,000 | Confirmed loan contract on December 29 and repaid any/partial amount on or after January. | Normal and active | 100% interest rebate for the first 30 days |
| $128,000 | Confirmed loan contract on December 17 and repaid $5,000 on December 21. | Normal and active | Not Eligible |
| $128,000 | Confirmed loan contract on December 17 and repaid the full loan on December 31. | Normal and active | Not Eligible |
Rewards Details
- Notification of the interest rebate will be sent within 60 days after the end of the event via the X Wallet App to qualified customers.
- Qualified customers must log into the X Wallet App, go to the “Personal” page, and click on the “Bank Card” option to add their Hong Kong bank account number to withdraw the cash rebate.
- Transfer to the designated Hong Kong bank account number will take approximately two working days (excluding public holidays, Saturdays, and Sundays).Customers must ensure the bank account number entered is genuine, correct, and valid.
- The company will not be held responsible if the rewards cannot be successfully transferred to that account in any circumstance.
- All loan accounts of the customer must be in normal status in order to execute the reward withdrawal function. Rewards have a validity period for withdrawal and usage. If a customer’s reward wallet has not had any transaction records in the past 24 months, all reward balances will expire.
- If the customer closes or cancels their X Cash.AI Loan account under any circumstances, all rewards will also be immediately canceled.
- This promotional offer is valid from December 17, 2025, to December 31, 2025 (including both days) (the “Promotional Period”).
- The submission time of loan applications will be based on the computer records of Zero Finance Hong Kong Limited (the “Company”). Late applications will not be accepted.
- This offer is only available to individuals aged 18 or above who hold a valid Hong Kong Permanent Identity Card.
- To avoid any conflict of interest, Company employees are not allowed to participate in this offer.
- The promo code must be entered during the loan application process; any late submissions or changes will not be accepted. Customers must be first-time applicants for the X Cash.AI Loan (i.e., must not have applied for or held any loan accounts with X Lend using the same Hong Kong Permanent Identity Card in the past 12 months) and successfully approved for the X Cash.AI Loan. They must also have no repayment records during the promotional period to be eligible for the rebate.
- Customers’ accounts must have no repayment records during the promotional period to enjoy this offer.
- During the promotional period, customers may only receive this offer once, and it cannot be used in conjunction with other offers. In the case of multiple applications, the Company will consider the earliest received application.
- Customers’ X Lend accounts must remain in a normal active status from the effective date of the contract until the loan contract period is completed (delinquent payments, bad debts, freezes, etc., will be considered not active).
- If a customer closes or cancels their X Lend account before the reward is issued, or their X Lend account is frozen, or if the balance of their X Cash.AI loan account falls below zero, all rewards under this promotional program will be immediately canceled.
- Any rewards under this promotional program are non-transferable, non-revocable, and non-returnable. The Company reserves the right to substitute items of equal value without prior notice.
- The Company reserves the right to verify the identity of applicants by checking their identification documents. If the information provided by the applicant is unclear, incomplete, or if the applicant cannot be contacted or verified, the Company reserves the right to cancel the eligibility for the offer without prior notice.
- If the Company discovers any customer submitting false information or violating these terms and conditions during the promotional period or thereafter, the Company has the right to cancel their eligibility for this promotional offer and any rewards obtained.
- Rewards have a validity period for withdrawal and usage. If a customer’s reward wallet has not had any transaction records in the last 24 months, all reward balances will expire.
- All collected personal data will be handled in accordance with the Company’s personal privacy policy.
- The Company shall not be liable for any legal responsibilities arising from delays or losses of information submitted by customers due to any computer, network, telephone, or technical failures, and customers may not hold the Company accountable for any claims.
- The Company reserves the right to revise the terms and conditions of this promotional program or discontinue it at any time without prior notice.
- By participating in this promotional program, customers represent that they accept and agree to these terms and conditions. If violated, the Company has the right to cancel their participation or eligibility for rewards and reserves the right to pursue legal actions against any behaviors that disrupt the promotion. In case of any inconsistencies or ambiguities between the English and Chinese versions, the Chinese version shall prevail. In case of any disputes, the Company reserves the final decision.
