Zirtue: Lend & Borrow Money 4+

Making loans with friends easy

Zirtue, LLC

    • 4.3 • 806 Ratings
    • Free

iPhone Screenshots


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:
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. There are no fees to use Zirtue. 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.

What’s New

Version 5.5.3

Nothing major to report for this release. Plenty of work is executed behind closed doors. We’re working hard on the usual - bug fixes and performance improvements. Enjoy!!

Ratings and Reviews

4.3 out of 5
806 Ratings

806 Ratings

majano_ ,

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!!!

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.

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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