• Zirtue: Lend & Borrow Money With Friends & Family 1
  • Zirtue: Lend & Borrow Money With Friends & Family 2
  • Zirtue: Lend & Borrow Money With Friends & Family 3
  • Zirtue: Lend & Borrow Money With Friends & Family 4

Zirtue: Lend & Borrow Money With Friends & Family

Zirtue is a relationship-based lending application that simplifies loans 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 FAMILY | YOUR LOAN | AUTOMATIC 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
- 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.

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.

YOU SET THE PERIOD FOR REPAYMENT
3 Months - Minimum Period for Repayment
3 Years - Maximum Period for Repayment
5% - Fixed Annual Percentage Rate (APR)

HERE’S AN EXAMPLE
$300 - Loan Amount From Family
$302.50 - Total Cost of Loan
3 Month - Repayment Period

Monthly Payments
1. $100.83 (Includes $1.25 Interest-APR)
2. $100.83 (Includes $0.84 Interest-APR)
3. $100.85 (Includes $0.42 Interest-APR)

Category : Finance

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Reviews (30)

Kri. D. Feb 12, 2022     

I downloaded the app and made an account then put everything in that I needed to then it said that I'm verification attemp failed and to try again but it will not load for me to try again. There's not help button to seek assistance and when u try on the site it's only for business.

Mas. Jan 29, 2022     

The app is unusably buggy and won't allow sign-up to occur. Please invest in end to end testing to preserve UX. Reliability and trust is paramount in fintech.

Tv. D. Nov 1, 2020     

That app looked upon set up. I created an account with ease. I sent a loan offer with ease. However, the borrow said they were asked to subscribe to a monthly payment after entering all their information. If the monthly subscription is "required" to "borrow" money I wont be using the service. Its worth it for those constantly borrowing money though.

Tif. A. Feb 1, 2022     

The app made it so easy to pay my family back and I had an excellent experience so far. Definitely recommend!

Oma. H. Oct 6, 2021     

10/05/2021: Bounced around from one person to the next and still no resolution yet 3 MONTHS LATER. Wish I never used this app. Signed up gave out loans but now when I try to log into the app I am getting a 404 email not found error. 😒 MY ACCOUNT DISSAPEARS AFTER LOAN ACCEPTED!!!! Update 08/08: STILL NOT RESOLVED 8 days after sending email for help. Totally not acceptable. Update 09/03/21: Over a month later and still not resolved 😡😡😡

Dan. M. Jan 30, 2022     

As others have said, you have to give them a bunch of personal information including social security number and photos of your ID, and then it just tells you verification failed with no explanation and a "try again" button that does nothing. I guess this app is just a scam to harvest data from us.

sha. Oct 10, 2020     

This app is trash went through an entire process to make an account using my email address and everything for verifications and when the page comes up to accept the policies and procedures then tells me my email is invalid. To me that makes no sense at all considering I had to use it for a verification code!

A. G. u. Jul 24, 2019     

awesome app and works flawless! Used it with a friend who needed to borrow some money everything worked and processed great and after a touch of the button he had his money and I didnt have to worry about dealing with and tracking down repayments. zirtue is definitely a game changer!

Joh. S. Mar 28, 2022     

dumb lenders in your contacts its not like solo where its random ppl. not worth your time id just ask someone i know to loan me money why do it thru an app dont waste your time

Mar. M. Dec 24, 2021     

Doesn't work. Can't even get an account setup. After snapping photos of license and accepting agreements, I get an internal error error message.

Dar. J. May 30, 2020     

App does not do as advertised. Its good if you're recieving funds from a lender if you're borrowing but it does NOT pay automatic transactions back to the lender from the borrowers account. App with so much potential but does not deliver.

A. G. u. Feb 25, 2020     

I am very pleased with my zirtue experience. The app was simple to use and I could easily manage where I had money coming and going. Would recommend as an easy way track and maintain loan payments between friends and family.

A. G. u. Aug 17, 2019     

This is not a Loan app. Its used when you want to borrow money from a friend or relative & this app sets up automatic withdrawls from the persons bank. It comes up as a Loan app & its a bit confusing because of that. So be aware its not an app you can receive a loan from (even though the very misleading & very similiar 5 star reviews make you think so). I did a bit of research on Zirtue company,which is a legitimate business...just not an actual lender.

A. G. u. Sep 3, 2019     

Completely fake app. You give your information and it allows you to set up a loan then deactivates the account for both partirs for fraudulent activity with no explanation. Unsure what happened to the money that was sent asnit is not in ny account. This will be reported to the BBB and to the state attorneys office.

Mar. C. Dec 31, 2021     

Never even used it. I was a bit wary that it asked for all my personal information just to sign up, but when it got to the part where it asked for my full social security number, I was out. Not even the government would ask for that just to sign up for an app.

Ang. F. Dec 5, 2021     

Horrible. Had me enter all my personal info just to say "verification failed press continue" but the app is frozen and does nothing even after I pressed continue & restarted the app

A. G. u. Jun 28, 2019     

So far not impressed. I downloaded the app through a referral because of the promotion your referral and yourself will get $5. I then also referred a couple ppl and either one of us including the person who referred me have not received our $5!. Reached out to customer service at the email listed above and they have yet to reply.

Tho. W. Apr 28, 2022     

I can get my bill paid. not only that u guys are getting to the loan from family members. so wuts the purpose of u

Cas. A. May 30, 2022     

There's no point in this if I gotta ask someone in my contacts if that's the case I might as well just ask them my self to borrow tf?

Sco. D. Dec 5, 2020     

I tried to cancel before the trial ended and the app wouldn't let me. Despite múltiple attempts, they still charged me today for a service I've never used not even once. Terrible app. I'll be making sure that my friends also leave 1 star ratings.

cli. e. Feb 10, 2021     

This app is trash, do not download, its been 3 days still no answer from them thru there intercom message board, nor their email. My bank never received any of the money is was suppose to. My sister was trying to send money im glad she messed up the amount because more money would b stuck in limbo. Do not download this app. I gave you fair warning ⚠️

A. G. u. Aug 25, 2019     

That is not a full star its a arm in the star, app keeps closing I keep in putting information and it keeps closing and it keeps closing give me feedback give me feedback it tells me when I finally get through tells me two small deposits and nothing what good is this what's wrong with you guys server!!!!!!

Mat. G. Oct 18, 2020     

App will no longer go pass the verification process. Asks for phone#, sends text code, enter it and it only loops right back to same question. Email does the same. ???

A. G. u. Aug 26, 2019     

This app is a waste of time it constantly crashes after I enter my banking information. I'm trying to give this app a chance but I'm not seeing anything positive about it.

Dan. B. Jun 2, 2020     

This was nothing of what I expected. I deactivated my account but I'm worried the subscription that I did have will still be there. I wanna make sure this is unsubscribed and my stuff isn't linked to this fake app.

A. G. u. Mar 9, 2019     

This is probably my favorite app now. It is simple, easy and great. Allow me get paid back with automatic monthly loan payments. That's so great!

A. G. u. Apr 20, 2020     

It does nothing...I did all the stuff..subscribe etc..and when it brought me to Loan..borrow..I entered an amount to borrow...it did nothing..kept saying let's get u subscribed...but if I hit lend..then it does something but I've uninstalled it cuz its doing absolutely nothing 4 me!!! Plus NO ONE responds when emailed!!!

A. G. u. Mar 14, 2019     

The app works very well. It allows me to get paid back with automatic monthly loan payments, thus I can loan money to friends and family with confidence. I will use it again.

Cha. F. Sep 17, 2020     

I tried to use this app and it sent me a code that it would not even accept doing the processing stage of even opening the app so I'm deleting this because I feel that they stole my phone number and my email address so I'll be looking for strange phone calls an emails

A. G. u. Oct 31, 2019     

It seems like a great app and concept but everytime i click next after i got the amount to burrow and the other things done last step i click next and the app closes out