--- title: "Zirtue: Lend & Borrow Money - Reviews, Revenue and Downloads in United States | Apple App Store" description: "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 m" --- # Zirtue: Lend & Borrow Money — United States > Making loans with friends easy ![Zirtue App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/3d/06/55/3d0655a3-177a-dd94-549d-bcef89c2f620/AppIcon-0-1x_U007emarketing-0-7-0-85-220-0.png/434x0w.png) **Developer:** [ZIRTUE](https://apptail.io/developer/zirtue-Hyeb) **Category:** Finance **Rating:** 4.3/5 (821 ratings) **Price:** Free **Bundle ID:** com.zirtue.app **Store:** Apple App Store **Country:** United States **Version:** 5.5.7 (released 2024-09-23) **Original Release:** 2018-10-18 **Languages:** English **App Store Link:** [Download on Apple App Store](https://apps.apple.com/us/app/app/id1414766636) **AppTail Page:** [https://apptail.io/app/zirtue-lend-borrow-money-OVoc/united-states](https://apptail.io/app/zirtue-lend-borrow-money-OVoc/united-states) ## Zirtue Description 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. ## Zirtue Screenshots - [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource122/v4/16/e2/e3/16e2e3ec-1d31-25fe-3bbe-c3e980b90a33/e6e698a4-0529-4a9d-9b6f-d6e40810f957_01_AppStore_screenshot_6.5_inch.png/1242x2688.png) - [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource122/v4/db/15/46/db154661-1c8d-1e7f-3c7e-13abaf65f443/89503f65-ff86-4e35-b5fa-e2a355cc4b2b_02_AppStore_screenshot_6.5_inch.png/1242x2688.png) - [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource112/v4/ef/23/8f/ef238fd7-1262-5b2b-8ba9-33a095e14290/9f7ff88f-ee5d-4039-b91e-c09f2481f9cd_03_AppStore_screenshot_6.5_inch.png/1242x2688.png) - [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource122/v4/82/0f/d9/820fd9b3-75b3-6931-27e2-6974d33d9899/022ef3e1-2c1b-463e-85f7-8ff599f0bb33_04_AppStore_screenshot_6.5_inch.png/1242x2688.png) - [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource112/v4/82/79/14/82791462-beda-c1d4-8a1b-81b92d2c9c78/14ad8dfe-4c13-4f0f-bffe-4a3d1360c492_05_AppStore_screenshot_6.5_inch.png/1242x2688.png) - [Screenshot 6](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource112/v4/70/d7/87/70d78724-ef4e-a01f-600a-5652f47a4584/a7ac84da-45e5-4ee7-8e35-e9ed452983c0_06_AppStore_screenshot_6.5_inch.png/1242x2688.png) ## Zirtue Rating Breakdown in United States - 5 stars: 620 (76%) - 4 stars: 37 (5%) - 3 stars: 30 (4%) - 2 stars: 23 (3%) - 1 stars: 111 (14%) ## Zirtue Reviews in United States ### ***-- "Bank" Cool app I like it so far it just takes too long to get the money sent to your bank. -- ttd390, 2025-05-17 ### *---- "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. -- BehindTheTint, 2025-01-16 ### *---- "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🙃 -- RRp555, 2024-11-24 ### *---- "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. -- jseabury, 2024-09-16 ### ***** "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!! -- J. Alexander LG, 2024-08-08 ### *---- "Do not download" You’ve been warned -- _swe, 2024-06-24 ### *---- "Terrible" You can only borrow $$ from friends and family, who needs an app to borrow from friends and family. -- Jay Jay 12344567, 2024-05-31 ### *---- "Garbage App" 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. -- Bukknutt, 2023-09-11 ### *---- "Useless" Limited to $1,000 and charges high fees. This is useless. Wasted my time downloading it -- gorcher, 2023-07-31 ### **--- "Take to long to get the money" I loaned a family member some money through Zirtue and they took the money out of my account the next day. It’s been 4 or 5 days and the money still hasn’t hit their bank account and it no longer takes ACH deposits that long. Plus he contacted his bank and if it was on its way as Zirtue said they would see it but they don’t. That tells me they are holding the money a couple days to make money off it. I could have gotten the money to him that day or early the next but simply because of the ability to set up him paying me back I did it through Zirtue. Never again. Also got offered a gift card to answer some questions about my experience signing up for Zirtue. They said I would get it in a week. Nope , she said she tried to send it but it wouldn’t go to the email I gave her which was the email she was emailing me to tell me that so it definitely works. Plus I got a email from where she said it was going to come from telling me “thank you for your order,” which sounds like I was put as the one who sent the gift card rather than the one who was to receive it. She said a manager would fix it and get it to me so I doubt I will ever see that. They need to seriously check out their systems and not promise people something for their time just to not uphold their end. I am just tired of always getting the run around and shotty customer service. Like I would never and I mean never treat my customers like these reps do now! Last I check the customer was the reason I had a pay check! -- just started using so far ok, 2023-05-06 [View all Zirtue reviews and detailed analytics on AppTail](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=reviews) ## Zirtue Discovered Keywords - lending point - get money early - borrow money - lend - lend and borrow - payday advance loan app - cash borrow - cash lender - borrowing money - borrow money instantly ## Apps Similar to Zirtue - [Kora Money](https://apptail.io/app/kora-money-vMH/united-states) - [OneBlinc Cash Advance](https://apptail.io/app/oneblinc-cash-advance-MUQ/united-states) - [Emerald Express Cash](https://apptail.io/app/emerald-express-cash-KOR/united-states) - [LendingPoint](https://apptail.io/app/lendingpoint-iWT/united-states) - [FlexWage](https://apptail.io/app/flexwage-syhb/united-states) - [AF247 - Advance Financial 24/7](https://apptail.io/app/af247-advance-financial-247-eAxb/united-states) - [Clerkie Payoff Debt Bills Fees](https://apptail.io/app/clerkie-payoff-debt-bills-fees-KLLb/united-states) - [Pigeon: Lend and Borrow Money](https://apptail.io/app/pigeon-lend-and-borrow-money-ngcc/united-states) - [Get Paid Early: Cash Advance](https://apptail.io/app/get-paid-early-cash-advance-VpHm/united-states) - [NinjaCard® – Banking & Credit](https://apptail.io/app/ninjacard-banking-credit-nlvp/united-states) --- ## About AppTail [AppTail](https://apptail.io) is a mobile app intelligence platform providing app analytics, ASO (App Store Optimization) tools, keyword tracking, competitor analysis, revenue estimates, and review monitoring for iOS App Store apps. 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