Zirtue: Lend & Borrow Money

Zirtue is an innovative application that allows you to manage both your finances and your relationships in one convenient place. With Zirtue, you can easily handle IOUs with friends and family without any awkwardness. This is made possible through the app's features such as transparency, billpay, flexibility, and focus on relationships.

One of the key benefits of using Zirtue is transparency. The app clearly breaks down all the details of the loan and the repayment plan, ensuring complete clarity for both parties involved. This helps to avoid any misunderstandings or conflicts that may arise from informal agreements.

Zirtue also offers a billpay service, which means that the money borrowed goes directly to the designated bill-pay service provider instead of the borrower's pockets. This ensures that the borrowed money is used for its intended purpose and not for any other expenses.

Flexibility is another important aspect of Zirtue. The app allows you to set up an auto-repayment plan that works best for you. This takes away the stress of having to remember to make payments and allows you to focus on your relationship with the lender.

With Zirtue, you can borrow money without worrying about high interest rates or negative impacts on your credit score. The app offers 0% APR interest to lenders, which means that you can borrow money without incurring any additional costs. Additionally, the repayment period can range from 3 months to 36 months, giving you the flexibility to choose a plan that suits your financial situation.

Creating a loan with Zirtue is a simple process that can be completed in just three steps. First, you need to sign up for a free account and verify your identity. Then, you can easily add a few details to create the loan. Finally, you can submit the IOU request to your friend or family member and set up an auto-pay system for repayment.

It's important to note that Zirtue is not a lender itself. Instead, it is a peer-to-peer lending application that facilitates loans between friends, family, and trusted relationships. The app charges a 3% service fee to cover costs and ensure the best service possible. This fee is paid by the lender and repaid by the borrower on the agreed-upon repayment schedule.

Zirtue takes the security and privacy of its users seriously. The app uses cutting-edge technology to encrypt and securely store personal information. Both the lender and borrower must agree to the loan terms, and Zirtue has a strict privacy policy in place to protect user data. For more information, you can refer to the app's Terms and Privacy Policy pages.