Zirtue: Lend & Borrow Money 4+

Relationship Based Loans

Zirtue, LLC

    • 4.4 • 740 Ratings
    • Free

iPhone Screenshots


Zirtue is a relationship-based lending application that simplifies and manages loans between friends, family, and trusted relationships. 

With Zirtue, users can loan money to friends and family with confidence. Whether you’re paying your electric bill, or borrowing from family for rent, Zirtue automates and simplifies the repayment process, so you can focus on your relationships.

Lend financial help to friends and family in one easy space. You’ll help them, and Zirtue helps you get paid back automatically. 
- 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
- Personal Dashboard to track your loans

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.

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.

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.

Zirtue allows users to lend and borrow as little as $20 and as much as $1,000 with payback periods from 3 months to 36 months. Zirtue also allows for one time payments, where you can set a specific date to be paid back any time between 3 months and 3 years from now.

There are no fees to use Zirtue. However, there is a 5% interest rate (APR) is sent to the lender over the life of the loan

What’s New

Version 5.2.5

On this episode: Another day, another bill paid, another dollar loaned and repaid.

No big news. Continuing to communicate with users, exterminating bugs, and working on improvements that will enhance the mobile expereince. More to come!

- Zirtue Production

Ratings and Reviews

4.4 out of 5
740 Ratings

740 Ratings

SegoviaSUTA ,

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.

The great manny ,

So far so good

I just downloaded the app to cover the situation of having to lend money to a friend in the future. I reached out to customer service email to ask a couple additional questions that I was curious about and got a response within a few minutes. That is excellent! I also like that they go through Plaid for bank information keep my account secure. I’ll update this review when it’s time for me to lend some money

Developer Response ,

Hi Manny! Thank you for your 5-star review. We are so glad we were able to answer all of your questions. We take customer care very seriously. Shoot us a message at getintouch@zirtue.com if there’s anything else we can do for you. Thank you.

Cthulhuchick ,

Not ready for prime time

It took me and a friend much too long to successfully do a loan on here they didn’t respond to multiple requests for help.

First, they try to verify bank accounts with Plaid, which is currently not working for my major US bank. Plaid had to help me figure out a workaround, Zirtue didn’t respond to my questions.

Then when I tried to accept her loan request, I kept getting the same generic error that didn’t make sense.

All in all, I emailed them 3 times, got 0 answers, and it took 5 days to get the bank accounts linked (1 day) and get the loan made (4 days). Meanwhile the car my friend was trying to buy got sold to someone else.

They emailed today asking me to review the app but there was no link in the “Review the app” text and no other link to review it. That’s really the app in a nutshell. That made me annoyed enough to open the App Store and leave a review.

Potential but expect it might be messy. Not ready for prime time—and if they answered emails I would be a lot less irritated by that.

Developer Response ,

We are sad to hear you didn’t have a positive experience with our app! We take customer service very seriously and apologize for not meeting your expectations. We are in the process of getting rid of a few bugs to ensure you have the best experience with our app. We also plan on transitioning to another banking partner for the best user experience. Please stay tuned, as we are looking forward to launching our advanced version of the service this summer. Don’t hesitate to reach out to us at getintouch@zirtue.com with any questions or concerns. Thank you!

App Privacy

The developer, Zirtue, LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Identifiers
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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