For Businesses

How Zirtue loans work

Sign up

Open a free digital Zirtue account and get it verified with our secure and encrypted process.

Choose loan type

Set a custom loan amount or choose Direct-Bill Pay. With Direct-Bill Pay, funds go straight to a provider.

Send loan request

Send the request to one of your contacts, or select a new contact by entering a phone number.

Agree on details

Choose a repayment date that works for you and see exactly how much interest applies to the loan.

Zoey Hey Zack    My car just broke down! Could you lend me $1,000?

You sent a $1,000
Loan Request to Zack  

Asking for help has never been easier

We know that financial situations can sometimes be unpredictable, but the way we handle it doesn’t have to be.

Lend a helping hand

Lend financial help to friends and family in one easy space. You’ll help them, and Zirtue helps you get paid back automatically.

Zack Sure thing, let’s Zirtue it!

You’ve just accepted
Zoey’s Loan Request  

Zoey This breaks everything down for me!
I know exactly what I’m paying each month.

  • 1st monthly payment

    You pay $336.11 in total

    with $4.18 interest

  • 2nd monthly payment

    You pay $336.11 in total

    with $2.80 interest

  • 3rd monthly payment

    You pay $336.11 in total

    with $1.40 interest

Get a loan smarter and faster

Select the amount and choose a repayment date that works for you. With monthly reminders and digital tracking, we do the work for you.

Make it personal

Add a personal note along with the request
to track the reason for your loans easily.
Utilities, rent, groceries, car payments… you name it!

Friend

leave a personal note

Thanks for your help, Zack! I took the time to secure our loan with Zirtue. If you haven't already, download the app

Send message

Reason for your loan

Vehicle

Zoey I just received the funds! Thank you so much Zack,
you totally saved the day!        

Access your funds quickly

Every Zirtue bank account comes with a free in-app Mastercard digital card. Use your card to send, receive, and spend money in real-time!

Ready for smarter and faster loans?

Get Zirtue and open your account today.
Available on iOS and Android.

Why Zirtue?

Zirtue Relationship-Based Lending

  • Free bank account provided
  • Repayment terms set by you
  • No credit check
  • Direct bill pay option
  • Loan forgiveness features

Payday and Predatory Loans

  • Bank account required
  • No flexibility in payback
  • Credit check required
  • Early payment penalties
  • Huge interest (e.g. 400%)