# Zirtue: Lend & Borrow Money — Making loans with friends easy > Peer-to-peer lending app for friends and family with direct bill payments. (iPhone/iPad app by Zirtue, LLC.) - Source: https://appshunter.io/ios/app/zirtue-lend-and-borrow-money/id1414766636 (this page in markdown: same URL + `.md`) - Developer: [Zirtue, LLC](https://appshunter.io/developer/1414766635) - Category: Finance, Social Networking - Price: Free - Rating: 4.30/5 from 821 App Store ratings · 78 written reviews indexed - Age rating: 4+ - Requires: iOS 13.4 · 90 MB - Languages: American English - Released: 2018-10-18 - Data updated: 2026-06-10 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/zirtue-lend-and-borrow-money/id1414766636/reviews.md ## What is Zirtue? 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. https://zirtue.com/legal https://zirtue.com/privacy-policy ## Key features - Manage loans with friends and family - Direct bill payments - Flexible repayment plans - Automated repayment options - No interest or fees - Structured loan agreements ## What do users think of Zirtue? Overall sentiment: negative **Pros** - 💰 Easy repayment - 👥 Facilitates lending between friends/family - 🗓️ Automated payment scheduling - 🤝 Adds accountability to lending - 🙌 Helpful in times of need **Cons** - ⏱️ Slow processing times - 🤖 Lack of customer support - 🔒 Privacy/security concerns - 💳 Unauthorized account access - 🚫 Unreliable/buggy app **Commonly reported bugs** - Verification issues - Loan processing failures - Account suspension problems - Inability to complete transactions **Most requested features** - Faster processing times - Improved customer support - More flexible repayment options - Enhanced privacy/security measures - Compatibility with more banks ## Recent user reviews (10 of 78) All indexed reviews: https://appshunter.io/ios/app/zirtue-lend-and-borrow-money/id1414766636/reviews.md ### 3/5 — Bank *2025-05-17, version 5.5.7* Cool app I like it so far it just takes too long to get the money sent to your bank. ### 1/5 — Terrible *2025-01-16, version 5.5.7* You never speak with anyone. You don’t get your loan immediately. Actually, you never know when you’ll get your loan, because nobody will ever speak with you. Much less contact you. Scam? Maybe? Definitely don’t use this app if you need money immediately. If I could give this a negative -100 I would. Poor poor poor. ### 1/5 — Makes no sense *2024-11-24, version 5.5.7* Why would I want to use a app to borrow from ppl I already know in MY PHONE as if I can’t just contact them 😳🤔make it make sense🙃 ### 1/5 — Beware of Internal Issues *2024-09-16* Please beware of internal issues related to Zirtue’s ability to correctly service loans. Specifically, take available money from your borrower. I made a loan in June. Every month since then Zirtue has failed to service my loan as agreed. Despite the borrower having money in her bank account, Zirtue has failed to take it. First they claimed my borrower was at fault. Then they started an investigation without telling me they were experiencing a known error. They eventually admitted the error was theirs. Despite months of waiting, Zirtue has failed to correct whatever issue they are having internally. Even after I cooperated by adding/removing banking information. They have also stopped responding. I have had to file a government report and arbitration action to attempt to get my funds. **Developer response:** We sincerely apologize for not meeting your expectations and for the difficulties you’ve experienced. We’ve made every effort to communicate transfer statuses to both parties and investigate any loan-related issues, always with the goal of prioritizing our customers' interests and improving the product experience. Please note that all transfers are processed end-to-end, meaning Zirtue does not hold, store, or retain any principal funds—beyond the service fee, which has already been refunded to your account. We take your feedback seriously and are committed to improving all aspects of our experience going forward. ### 5/5 — Easier payback *2024-08-08* I found this app on a whim! I was looking to find an app to payback my family on a loan automatically. I know I can be forgetful but this made me schedule my payments every month from my bank acct directly to their bank acct. I know I will be using Zirtue again!! ### 1/5 — Do not download *2024-06-24, version 5.5.5* You’ve been warned ### 1/5 — Terrible *2024-05-31, version 5.5.4* You can only borrow $$ from friends and family, who needs an app to borrow from friends and family. ### 5/5 — The company’s mission and products are for the people *2023-12-11* Love Zirtue and all that it helps people to do. It is easy to use and I appreciate how supportive the company is in terms of questions/problems that come up. Definitely would recommend their service! ### 1/5 — Garbage App *2023-09-11, version 5.4.8* This app is garbage. It doesn’t even work. Cannot even progress through registering or sign in. Doesn’t respond. Ten different errors codes displayed yet can’t read any. Too many bugs anc poorly made. ### 1/5 — Useless *2023-07-31, version 5.4.7* Limited to $1,000 and charges high fees. This is useless. Wasted my time downloading it ## Frequently asked questions about Zirtue ### What does Zirtue do? Zirtue is a peer-to-peer lending application that simplifies loans between friends, family, and trusted relationships. It helps create structured agreements with automated repayment processes, ensuring transparency and making the process less awkward than informal lending. ### How does Zirtue work? Users sign up for a free account, connect their bill using their provider's account number, and then send an IOU request to someone they trust. The lender agrees to the terms, and the money is sent directly to a bill-pay service partner. The borrower repays the lender on their terms, often with auto-pay. ### Are there any fees or interest on Zirtue? No, Zirtue itself does not charge any fees or interest. The interest paid to the lender (friend, family member, or trusted peer) is 0% APR. The money borrowed goes directly to a bill-pay service partner to pay for bills. ### Can I borrow money without impacting my credit score? Yes, Zirtue allows you to borrow money without a negative impact to your credit score. This is because the loans are structured between individuals and do not typically involve traditional credit checks or reporting to credit bureaus. ### What kind of bills can I pay with Zirtue? You can connect your bill using your provider's account number to pay for various services. The app is designed to facilitate payments for essential bills, ensuring the borrowed money goes directly to the service provider rather than into the borrower's pocket. ## Version history (last 5 releases) ### 5.5.7 — 2024-09-23 On this episode: Baby steps 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. - Zirtue Production ### 5.5.6 — 2024-09-13 On this episode: Baby steps 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. - Zirtue Production ### 5.5.5 — 2024-06-13 On this episode: This release primarily enhances the mobile experience for our enterprise partners and partner-referred users. Apart from a series of platform updates, there are no major changes to report. If you have any questions, please contact support! - Zirtue Production ### 5.5.4 — 2024-04-25 On this episode: Sharing yields results Good things happen when loans are shared directly from the Sender to the Receiver. In this app update, we are empowering our borrowers with innovative methods to simplify the acceptance and funding process. We've also enhanced the repayment experience by incorporating more in-screen statuses and notifications. Until next time! - Zirtue Production ### 5.5.3 — 2024-02-09 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!! ## Apps similar to Zirtue | App | Rating | Price | Category | | --- | --- | --- | --- | | [B9: Cash Advance](https://appshunter.io/ios/app/b9-cash-advance/id1552004842) | 4.5 (15,435) | Free | Finance | | [Dave: Credit, Cash & Money App](https://appshunter.io/ios/app/dave-credit-cash-and-money-app/id1193801909) | 4.8 (835,567) | Free | Finance | | [EarnIn: Beyond Cash Advance](https://appshunter.io/ios/app/earnin-beyond-cash-advance/id723815926) | 4.8 (425,186) | Free | Finance | | [Possible: Fast Cash & Credit](https://appshunter.io/ios/app/possible-fast-cash-and-credit/id1380384597) | 4.8 (130,346) | Free | Finance | | [FloatMe: Fast Cash Advance App](https://appshunter.io/ios/app/floatme-fast-cash-advance-app/id1395667279) | 4.8 (142,415) | Free | Finance | | [Cash App](https://appshunter.io/ios/app/cash-app/id711923939) | 4.8 (8,426,521) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*