Zirtue: Lend & Borrow Money 5.5.4

Zirtue: Lend & Borrow Money 5.5.4

Zirtue, LLC  ❘ Freeware
Android iOS
out of 805 votes
Latest Version
5.5.4
Safe to install
VERY GOOD User Rating

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 on 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 a payday lender or getting a cash advance, but the interest rates would’ve left her worse off. 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 on 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.

Overview

Zirtue: Lend & Borrow Money is a Freeware software in the category Business developed by Zirtue, LLC.

The latest version of Zirtue: Lend & Borrow Money is 5.5.4, released on 05/02/2024. It was initially added to our database on 10/22/2023.

Zirtue: Lend & Borrow Money runs on the following operating systems: Android/iOS.

Users of Zirtue: Lend & Borrow Money gave it a rating of 4 out of 5 stars.

FAQ

What is Zirtue?

Zirtue is a financial app that allows users to lend and borrow money from friends and family in a safe and structured way.

How does Zirtue work?

Users can set up lending and borrowing agreements within the app, specifying terms, amounts, and repayment schedules to ensure clarity between parties.

Is Zirtue secure?

Yes, Zirtue employs encryption and data security measures to protect user information and transactions.

Are there fees associated with using Zirtue?

Zirtue may charge fees depending on the type of transaction; however, most person-to-person without interest do not incur automatic fees.

Do I need to sign up for an account to use Zirtue?

Yes, you must create an account to use Zirtue's lending and borrowing features.

Can I lend or borrow money without knowing the other person’s bank information?

Yes, the app facilitates the transfer of funds without the need for direct bank information exchange between users.

What happens if a borrower misses a payment?

Zirtue provides options for users to communicate about missed payments and adjust terms if necessary. However, it ultimately depends on the agreement set by the users.

Is there a limit on the amount I can lend or borrow?

Yes, there may be limits based on user trust levels and transaction history within the app.

Can I change the terms of an agreement after it's been made?

Yes, users can negotiate and modify terms within the app as long as both parties agree.

Is Zirtue available on all devices?

Zirtue is available as a mobile app for both iOS and Android devices.

Screenshots (Click to view larger)

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