Zirtue: Lend & Borrow Money

511 reviews
Content rating
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About this app

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 and 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 provider and not the borrower’s pockets.

- Flexibility: Set up auto-repay with a plan that works for you.

- Relationships: Helping you set up a plan so you can focus on your relationship instead or the money.

With Zirtue...
- Avoid loan sharks, payday lenders 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)

Create a loan in 3 simple steps…
1.) Sign up - Open a free Zirtue account and verify your identity.
2.) Create - Easily add a few details to create the loan.
3.) Submit - Send the IOU request to your friend or family member. Complete the repayment 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 principal monthly payments would be $100 per month with a total loan cost of $1,000.

What is the repayment period?
Payback periods can be one-time or monthly. The earliest repayment date that can be scheduled must be 60 days after the loan is issued. Within the app, the Borrower can settle, or pay off the loan at anytime ahead of schedule.

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.
We charge a 3% service fee to cover costs and provide the best service possible. This one-time fee is paid to Zirtue by the lender and repaid to the lender by the borrower on the agreed upon repayment schedule. 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
Jun 13, 2024

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
Personal info, Photos and videos and 3 others
Data isn’t encrypted
You can request that data be deleted

Ratings and reviews

494 reviews
Tv Dun
November 1, 2020
That app looked upon set up. I created an account with ease. I sent a loan offer with ease. However, the borrow said they were asked to subscribe to a monthly payment after entering all their information. If the monthly subscription is "required" to "borrow" money I wont be using the service. Its worth it for those constantly borrowing money though.
42 people found this review helpful
Did you find this helpful?
November 3, 2020
Hey Tv Dun - Thank you for telling us about your experience. We appreciate your candid review, as we’re always looking for ways to improve our business. Your experience is important to us and we would appreciate hearing more about it and understanding your perspective! Feel free to contact us at getintouch@zirtue.com anytime. Thanks again!
Omar Harding
October 5, 2021
10/05/2021: Bounced around from one person to the next and still no resolution yet 3 MONTHS LATER. Wish I never used this app. Signed up gave out loans but now when I try to log into the app I am getting a 404 email not found error. 😒 MY ACCOUNT DISSAPEARS AFTER LOAN ACCEPTED!!!! Update 08/08: STILL NOT RESOLVED 8 days after sending email for help. Totally not acceptable. Update 09/03/21: Over a month later and still not resolved 😡😡😡
99 people found this review helpful
Did you find this helpful?
August 2, 2021
Hi Omar, we'd love to help you. Please write to getintouch@Zirtue.com and our team will help resolve your issue quickly. Thanks!
A Google user
July 24, 2019
awesome app and works flawless! Used it with a friend who needed to borrow some money everything worked and processed great and after a touch of the button he had his money and I didnt have to worry about dealing with and tracking down repayments. zirtue is definitely a game changer!
74 people found this review helpful
Did you find this helpful?
July 30, 2019
Thank you so much, M! Always great to see a happy customer leave a good review. We work hard to perfect our platform for users like you!

What's new

On this episode:

This release primarily enhances the mobile experience for our enterprise partners and partner-referred users. Apart from a series of platform updates, there are no major changes to report. If you have any questions, please contact support!

- Zirtue Production