Zirtue is a relationship-based lending application that simplifies and manages loans made between friends, family and trusted relationships with automatic ACH loan payments.
We get it. You need to loan money to friends and family with confidence. Zirtue allows you to get paid back with automatic monthly (ACH) loan payments from the Borrowers bank account to your bank account. Zirtue automates and simplifies the repayment process, so you can focus on your relationships.
We've all either loaned to or borrowed money from our friends and family with reasonable expectations that everything will go smooth. The reality is usually something different, unexpected or just awkward.
YOUR FRIENDS | YOUR MONEY | YOUR TERMS | AUTOMATED MONTHLY PAYMENTS
LEND & BORROW MONEY
Within minutes you can lend or borrow money with friends and family on your terms.
- Borrow money from friends and family
- Loan money to friends and family
- Digital agreement on loan terms
- Automatic monthly loan payments
- Payment notifications and reminders
- Easy messaging and personal notes
- Personal Dashboard to track your loans
RELATIONSHIP BASED LENDING
Zirtue is a private secure lending app that allows you to leverage your personal relationships instead of your personal credit score to lend and borrow money.
TRACK & MANAGE
Easily track and manage your loan activity using your private dashboard to view all loan activity and message lenders and borrowers. Set automatic deductions to make repayment friendly, easy and without having to think about it.
SIMPLY SAFE & SECURE
Zirtue simplifies loans between friends and family. We're serious about security and use cutting-edge technology to ensure your personal information is fully encrypted and securely stored.
SUBSCRIPTION BASED OPTIONS FOR BORROWERS
Zirtue is always free for Lenders. With a 7-Day Free Trial for Borrowers, Zirtue offers its Software-as-a-Service on a monthly basis ("Subscription Cost") monthly ($5.95), quarterly ($15.95), annually ($49.95) basis subject to auto-renewal. Borrowers can cancel your subscription anytime and all current loans will continue with no service interruption.
This update includes an easy way for every Zirtue user to join the Zirtue Card waitlist! Soon you'll be able to bank with Zirtue in addition to Lending and Borrowing. Hit Bank on the dashboard to sign up now!
Ratings and ReviewsSee All
Reaching people most apps won’t.
This is my second time borrowing through Zirtue, and with good reason. Aside from the fact that it allows borrowers like me to be transparent with the need with actual PEOPLE, and not some lender-bot AI, the system itself is designed to access banks that lender-bot apps won’t (through Plaid’s ability to input account info manually). Having been a Zirtue customer, and being a seasonal worker (school bus driver), Zirtue has allowed me to borrow in times where I’ve needed it, be it for hard times over not-so-busy summer break, or in the most recent case, Thanksgiving break catching up with me. Thank you to the Zirtue team for giving the handshake loan more accountability.
No More Handshakes
I love how this app makes what is normally a handshake agreement between friends/family into a structured, contract-backed loan. It auto drafts from the borrower’s checking acct each month so I no longer have to worry about the awkward part of reminding them to pay me. I have no problem lending money to my family, I just want something to take care of the reminders and payments. This is it. Amazing app, incredibly helpful!
Better than Venmo
Used Zirtue to loan my cousin some money and was 1000x better than Venmo. Terms were agreed to up front and repayment was automated and ach money back into my account so i didn’t have to think about Venmo requesting him and chasing the money down the road. If your loaning money to someone versus one way payments this is the platform you should be doing it on!
- ZIRTUE, LLC
- 38 MB
Requires iOS 9.0 or later. Compatible with iPhone, iPad, and iPod touch.
- Age Rating
- Copyright © 2020 Zirtue, LLC
- In-App Purchases
- Monthly Subscription Plan $5.99
- Annual Plan $49.99
- 3 Month Plan $15.99
With Family Sharing set up, up to six family members can use this app.