Zirtue: Lend & Borrow Money 4+
Relationship Based Loans
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:
On this episode: Repayment Request
Repayment Requests have been quite the hit! Much of this release focuses on ancillary optimizations to the flow. Yeaaa we killed a few bugs and got a bit creative with our fraud prevention tactics, but Repayment Request upgrades - thats the juice. Enjoy!!
- Zirtue Production
Ratings and Reviews
An Amazing Lending/Borrowing App on your fingers
So happy that I found this app! I needed a loan to pay my bill and my friend was there to the rescue. Was easy to register, sent the link to my friend, bill paid and set up the payment arrangements with no problems. Lifesaver! We all fall into hardship and many times we become embárreles or even hesitate to admit we need help. This app facilitates you to be able to connect your billing account number and once you’ve sent the link to the person willing to help, simply ask for the amount you’re needing, they’ll approve it and it’ll go directly to the account you need assistance with. I definitely recommend this app for those unable to move around or pick the money due to circumstances. It’s like counting 123!!!
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.
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 firstname.lastname@example.org if there’s anything else we can do for you. Thank you.
Data Used to Track You
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- ZIRTUE, LLC
- 92.8 MB
- Requires iOS 13.0 or later.
- iPod touch
- Requires iOS 13.0 or later.
- Age Rating
- Copyright © 2020 Zirtue, LLC