iPhone Screenshots


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.


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
- 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, like most virtues allows you to get access to the money & loans they need when you need it, from the people who know you best. Let's face it, we all need a little help sometimes.

We're always listening so please continue to send us comments or suggestions to getintouch@zirtue.com

What’s New

Version 2.4

Fixing bugs and making continuous improvements is a virtue. Zirtue continues to add new features and awesome enhancements based on your amazing feedback.

Keep your Zirtue app updated so you always have the latest and greatest. Here’s what under the hood in this update:

— AT&T payment processing for wireless, cable and telephone bills. Now you can borrow money from your friends and family to pay your AT&T bill directly through the Zirtue app!

— Two Factor Authentication to protect your Zirtue account.

— Enhance security and fraud prevention features.

— Updated screens, bank linking and dashboard for a better experience.

Did you know that you can invite your friends and family and we’ll send you both $5 when they complete their first loan on Zirtue?

Ratings and Reviews

4.7 out of 5
61 Ratings

61 Ratings

MBfay ,

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!

spence100 ,

Hassle Free

Nothing else like it. User friendly and easy to understand. Much easier than going to a lawyer to draft up documents and it provides a sense of relief knowing the money you lent out will be repaid to you via a binding agreement. Let alone how easy it is that all the payments are auto generated so I don’t have to follow up with anyone to track down my loan!

Jorenza ,

Where do I begin!

I’m in love with this app. Dennis is a genius. I have a hard time asking for my money back from family members since downloading this app I have been able to secure my money back from aunts and uncles who never steadily paid me before. This is a must download!! ESPECIALLY if your like me “the family atm”.


34.5 MB

Requires iOS 11.0 or later. Compatible with iPhone, iPad, and iPod touch.



Age Rating
Rated 4+
Copyright © 2019 Zirtue, LLC


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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