Zirtue: Lend & Borrow Money Software

What is Zirtue?

Zirtue is a peer-to-peer lending application that simplifies loans between friends, family, and trusted relationships by turning informal promises into structured agreements with an automated repayment process. The app helps manage money and relationships in one place, making IOUs with a friend or family member far less awkward. Zirtue offers transparency, bill pay, flexibility, and helps set up a plan so you can focus on your relationship instead. The app is free to use, and there are no fees or interest charged.

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 this app, 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 this app 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 this app 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 this app to borrow the money and set up a repayment plan with her mom. Through this app, 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: this app itself is not a lender. this app is the world’s first relationship-based, peer-to-peer lending application with direct payments to creditors. this app 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 this app. Both the lender and borrower must agree to loan terms. this app, LLC (the "this app"), 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://this app.com/legal https://this app.com/privacy-policy