About this app

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 and 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 provider and not the borrower’s pockets.

- Flexibility: Set up auto-repay with a plan that works for you.

- Relationships: Helping you set up a plan so you can focus on your relationship instead or the money.

With Zirtue...
- Avoid loan sharks, payday lenders 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)

Create a loan in 3 simple steps…
1.) Sign up - Open a free Zirtue account and verify your identity.
2.) Create - Easily add a few details to create the loan.
3.) Submit - Send the IOU request to your friend or family member. Complete the repayment 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 principal monthly payments would be $100 per month with a total loan cost of $1,000.

What is the repayment period?
Payback periods can be one-time or monthly. The earliest repayment date that can be scheduled must be 60 days after the loan is issued. Within the app, the Borrower can settle, or pay off the loan at anytime ahead of schedule.


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.
We charge a 3% service fee to cover costs and provide the best service possible. This one-time fee is paid to Zirtue by the lender and repaid to the lender by the borrower on the agreed upon repayment schedule. 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://www.zirtue.com/legal/terms
https://www.zirtue.com/legal/privacy-policy

New features

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!!

App Permissions

Allows applications to open network sockets.
Allows applications to access information about networks.
Allows an app to create windows using the type TYPE_APPLICATION_OVERLAY, shown on top of all other apps.
Allows read only access to phone state, including the phone number of the device, current cellular network information, the status of any ongoing calls, and a list of any PhoneAccounts registered on the device.
Allows an app to use fingerprint hardware.
Allows access to the vibrator.
Required to be able to access the camera device.
Allows an application to record audio.
Allows an application to read the user's calendar data.
Allows an application to write the user's calendar data.
Allows an application to write the user's contacts data.
Allows an application to read or write the system settings.
Allows an app to access approximate location.
Allows applications to access information about Wi-Fi networks.
Allows using PowerManager WakeLocks to keep processor from sleeping or screen from dimming.
Allows applications to change network connectivity state.
Allows an application to receive the ACTION_BOOT_COMPLETED that is broadcast after the system finishes booting.