Bank
Cool app I like it so far it just takes too long to get the money sent to your bank.
Terrible
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.
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Makes no sense
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🙃
Beware of Internal Issues
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.
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Response from developer
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.
Easier payback
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!!
