Zirtue: Lend & Borrow Money

517 reviews
Content rating
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About this app

Remember the last time money and loved ones mixed? Yeah – us too. It’s no secret that borrowing or lending money with someone you care about can make things… weird.

With Zirtue, you can manage your money and your relationships all in one place. We make IOUs with a friend or family member far less awkward. Here’s how:
Transparency: Details of the loan and the repayment plan are clearly broken down for complete clarity.
Billpay: Money goes straight to a bill-pay service partner and not the borrower’s pockets.
Flexibility: Set up auto-repay with a plan that works for you – not against you
Relationships: Helping you set up a plan so you can focus on your relationship instead

Download the app to create an IOU with someone you trust and get your bills paid – without the awkwardness. There are no fees, no interest and the money goes straight to a bill-pay service partner to pay for bills.

With Zirtue you can…
Avoid loan sharks and sky-high interest
Borrow money without a negative impact to your credit score
Create a repayment plan that works for you (from 3 months - 36 months)

Get your bills paid in 3 simple steps…
1.) Sign up - Open a free Zirtue account and verify your identity.
2.) Connect your bill - Connect your bill using your provider’s account number.
3.) Request and repay - Send the IOU request to someone you trust. Pay them back on your terms with Auto-pay.

So, there’s really no interest?
Nope! The Interest paid to your lender (friend, family member, or trusted peer) is 0% APR. So, if you borrow $1,000 over a 10-month period with no interest (0%), your monthly payments would be $100 per month with a total loan cost of $1,000.

How it’s working for Jane (an example based on a true story)…
Jane hit a tough spot financially and came home to her utility bill in the mail – $350. If she didn’t pay in full, her services would’ve been cut off. She considered going to pay payday lender or getting cash advance, but the interest rates would’ve left her off worse. She figured her mom would help her. So, she used Zirtue to borrow the money and set up a repayment plan with her mom. Through Zirtue, Jane is repaying the $350 over a 10-month period with no interest (0%) at $35/month. So, Jane’s total loan cost is still just $350.

The fine print:
Zirtue itself is not a lender. Zirtue is the world’s first relationship-based, peer-to-peer lending application with direct payments to creditors. Zirtue simplifies loans between friends, family, and trusted relationships by turning informal promises into structured agreements with an automated repayment process. There are no fees to use Zirtue. Both the lender and borrower must agree to loan terms. Zirtue, LLC (the "Zirtue"), knows that you care about how your personal information is used and shared, and we take your privacy seriously. We're serious about security and use cutting-edge technology to ensure your personal information is fully encrypted and securely stored. For more information, see our Terms and Privacy Policy.
Updated on
Jan 25, 2023

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info, Financial info, and Photos and videos
This app may collect these data types
Location, Personal info and 4 others
Data is encrypted in transit
You can request that data be deleted
517 reviews
Brandi Ricklin
January 27, 2023
I cant get past the part where i finish asking my friend for loan and it stays stuck on screen saying it verifying and may take a few seconds. But it stays froze on that screen indefinately
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Nicholas Boler (Nick)
January 11, 2023
Don't bother. They facilitate the lending and borrowing of money from YOUR contact list in your phone. So they charge you a fee to ask a friend of yours to borrow money. I never heard of something so stupid.
1 person found this review helpful
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January 11, 2023
We’re sad to hear about your experience. We know it can seem odd that we’re trying to facilitate loans w/people you know but it’s with good reason. We know things get tense when it comes to receiving & giving financial help.Our goal is to bring structure & transparency to loans between loved ones taking the awkwardness out. Hope you’ll give us try!
Lake Fett
January 20, 2023
Wasn't looking for this but the concept sounded possibly useful. App refuses to proceed past splash screen.
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January 22, 2023
Lake - Apologies for the bug you've encountered. Our technical team has solved this problem. Please update your app to the latest version. If you have other problems, please contact us at getintouch@Zirtue.com.

What's new

On this episode: Business as usual

Nothing major to report for this release. Plenty of work is executed behind closed doors. We’re working hard on the usual - bug fixes and performance improvements.

- Zirtue Production