Zirtue: Lend & Borrow Money Hack 5.4.8 + Redeem Codes
Making loans with friends easy
Developer: Zirtue, LLC
Category: Finance
Price: Free
Version: 5.4.8
ID: com.zirtue.app
Screenshots
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.
https://zirtue.com/legal
https://zirtue.com/privacy-policy
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.
https://zirtue.com/legal
https://zirtue.com/privacy-policy
Version history
5.4.8
2023-08-10
On this episode: Ironing the wrinkles
While there are no significant changes or new features, this update includes bug fixes and revisions to error messages to enhance the overall performance and user experience. We highly recommend that all users download this update to reach out with any questions or comments.
- Zirtue Production
While there are no significant changes or new features, this update includes bug fixes and revisions to error messages to enhance the overall performance and user experience. We highly recommend that all users download this update to reach out with any questions or comments.
- Zirtue Production
5.4.7
2023-06-26
On this episode: Ironing the wrinkles
While there are no significant changes or new features, this update includes bug fixes and revisions to error messages to enhance the overall performance and user experience. We highly recommend that all users download this update to reach out with any questions or comments.
- Zirtue Production
While there are no significant changes or new features, this update includes bug fixes and revisions to error messages to enhance the overall performance and user experience. We highly recommend that all users download this update to reach out with any questions or comments.
- Zirtue Production
5.4.6
2023-06-07
On this episode: Better and faster sharing
If your borrower or lender did not receive the text invitation to review the loan details, you can now resend the loan manually by using our Share Loan feature. This feature will be available to users with and without registered Zirtue accounts. For more information on the Share Loan feature, visit the Zirtue help center. Thank you for using Zirtue!
- Zirtue Production
If your borrower or lender did not receive the text invitation to review the loan details, you can now resend the loan manually by using our Share Loan feature. This feature will be available to users with and without registered Zirtue accounts. For more information on the Share Loan feature, visit the Zirtue help center. Thank you for using Zirtue!
- Zirtue Production
5.4.5
2023-05-19
On this episode:
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!!
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!!
5.4.4
2023-04-27
On this episode: Self Service & Security
Loan invitations just got a bit easier! In the event that you need fast action and communication on the details of your loan, you now have the ability to reShare the details of your loan with your Lender or Borrower. In addition, killed a few bugs, and made some uneasy things easier. Until next time!
- Zirtue Production
Loan invitations just got a bit easier! In the event that you need fast action and communication on the details of your loan, you now have the ability to reShare the details of your loan with your Lender or Borrower. In addition, killed a few bugs, and made some uneasy things easier. Until next time!
- Zirtue Production
5.4.3
2023-03-30
On this episode: Repayment Request
Repayment Requests have been quite the hit! Much of this release focuses on ancillary optimizations to the flow. Yeaaa we killed a few bugs and got a bit creative with our fraud prevention tactics, but Repayment Request upgrades - thats the juice. Enjoy!!
- Zirtue Production
Repayment Requests have been quite the hit! Much of this release focuses on ancillary optimizations to the flow. Yeaaa we killed a few bugs and got a bit creative with our fraud prevention tactics, but Repayment Request upgrades - thats the juice. Enjoy!!
- Zirtue Production
5.4.2
2023-02-26
On this episode: Reinforcements!
Made a couple of updates to our security and fraud prevention model. If you’re here with the best intentions, you won’t even know these updates have occurred ;). Aside from that, the usual extermination of nasty bugs and the ongoing messaging/notification revisions. Enjoy!
- Zirtue Production
Made a couple of updates to our security and fraud prevention model. If you’re here with the best intentions, you won’t even know these updates have occurred ;). Aside from that, the usual extermination of nasty bugs and the ongoing messaging/notification revisions. Enjoy!
- Zirtue Production
5.4.0
2023-01-25
On this episode: Business as usual
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.
- Zirtue Production
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.
- Zirtue Production
5.3.10
2023-01-20
On this episode: Payment diversity.
Debit cards are live. You can now send and receive loans and loan repayments in less than 30mins. Please Enjoy!
- Zirtue Production
Debit cards are live. You can now send and receive loans and loan repayments in less than 30mins. Please Enjoy!
- Zirtue Production
5.3.9
2023-01-16
On this episode: Payment diversity.
Debit cards are live. You can now send and receive loans and loan repayments in less than 30mins. Please Enjoy!
- Zirtue Production
Debit cards are live. You can now send and receive loans and loan repayments in less than 30mins. Please Enjoy!
- Zirtue Production
5.3.8
2022-12-19
On this episode: Communication is key!
We just deployed a redesigned set of notifications for Lender-initiated loans, formally known as “Loan Offers”. These redesigned texts and email notifications will be received by Lenders and Borrowers, keeping both parties up to date on progress, hold-ups, and any other key details of the loan. Improvements to Zirtue > User comms will continue to be a primary point of focus going into 2023. More to come!
- Zirtue Production
We just deployed a redesigned set of notifications for Lender-initiated loans, formally known as “Loan Offers”. These redesigned texts and email notifications will be received by Lenders and Borrowers, keeping both parties up to date on progress, hold-ups, and any other key details of the loan. Improvements to Zirtue > User comms will continue to be a primary point of focus going into 2023. More to come!
- Zirtue Production
5.3.7
2022-12-05
On this episode: Taking care of business!
That address verification bug, Gone! The Confirm Payment error, Gone! “Convenience” fees are “Service” fees (it just makes more sense), we’ve revised the “Whats next?!” preview screen UI for new Borrowers invited by existing Lenders and we’ve added a way for you to provide us with direct feedback via the settings. Are we missing anything?
- Zirtue Production
That address verification bug, Gone! The Confirm Payment error, Gone! “Convenience” fees are “Service” fees (it just makes more sense), we’ve revised the “Whats next?!” preview screen UI for new Borrowers invited by existing Lenders and we’ve added a way for you to provide us with direct feedback via the settings. Are we missing anything?
- Zirtue Production
5.3.6
2022-11-22
On this episode: Business as usual
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.
- Zirtue Production
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.
- Zirtue Production
5.3.5
2022-11-07
On this episode: Attention to detail
This release is dedicated to our superb Data Analysts who wake up, take two sips of coffee, sign in and begin digging into your expereince with Zirtue. Their goal is simple: Collaborate with whoever necessary to reduce friction and improve your satisfaction. Certainly more to come. Until next time!
- Zirtue Production
This release is dedicated to our superb Data Analysts who wake up, take two sips of coffee, sign in and begin digging into your expereince with Zirtue. Their goal is simple: Collaborate with whoever necessary to reduce friction and improve your satisfaction. Certainly more to come. Until next time!
- Zirtue Production
5.3.4
2022-10-28
On this episode: Personal Loans
For clarity and comprehension, we’ve renamed and relaunched ”Custom Loans” as “Personal Loans”. As a refresher, Personal Loans allow you to Lend and Borrow money for any reason and any amount. The latest upgrades also include identity verification checks for all new users. Additional app enhancements include restyling and bug termination. Until next time!
- Zirtue Production
For clarity and comprehension, we’ve renamed and relaunched ”Custom Loans” as “Personal Loans”. As a refresher, Personal Loans allow you to Lend and Borrow money for any reason and any amount. The latest upgrades also include identity verification checks for all new users. Additional app enhancements include restyling and bug termination. Until next time!
- Zirtue Production
5.3.3
2022-10-17
On this episode: Business as usual
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.
- Zirtue Production
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.
- Zirtue Production
5.3.2
2022-10-04
On this episode: Simplicity
Adding a bank account just got easier! We’ve integrated with Plaid so that you no longer have to wait multiple days to verify your bank account. Additional app enhancements include terminating bugs and preparing for the return of Personal loans. We’d love to hear from you, please reach out if you have any questions. Until next time!
- Zirtue Production
Adding a bank account just got easier! We’ve integrated with Plaid so that you no longer have to wait multiple days to verify your bank account. Additional app enhancements include terminating bugs and preparing for the return of Personal loans. We’d love to hear from you, please reach out if you have any questions. Until next time!
- Zirtue Production
5.3.1
2022-09-19
On this episode: Transparency
To empower you with helpful information and synchronize communication between all parties involved, Borrowers and Lenders can now track the processing status of a payment to a Billing company. The payment status can be found within the Loan Summary breakdown, it will include a time stamp, and a transaction ID as well! More to come…
- Zirtue Production
To empower you with helpful information and synchronize communication between all parties involved, Borrowers and Lenders can now track the processing status of a payment to a Billing company. The payment status can be found within the Loan Summary breakdown, it will include a time stamp, and a transaction ID as well! More to come…
- Zirtue Production
5.3.0
2022-08-31
On this episode: Humble upgrades
Nothing major to report for this release. Plenty of working executing behind closed doors. We’re working hard on the usual - bug fixes and performance improvements.
- Zirtue Production
Nothing major to report for this release. Plenty of working executing behind closed doors. We’re working hard on the usual - bug fixes and performance improvements.
- Zirtue Production
5.2.9
2022-08-22
On this episode: Direct Bill Pay - all day.
A series of in-depth customer interviews have allowed us to make high-impact optimizations to the Direct Bill Pay borrowing expereince. Along with the usual extermination of nasty bugs and the ongoing messaging revisions, we’re preparing for the BIG return of Zirtue’s core functionality - (wink wink). More to come!
- Zirtue Production
A series of in-depth customer interviews have allowed us to make high-impact optimizations to the Direct Bill Pay borrowing expereince. Along with the usual extermination of nasty bugs and the ongoing messaging revisions, we’re preparing for the BIG return of Zirtue’s core functionality - (wink wink). More to come!
- Zirtue Production
5.2.8
2022-08-02
On this episode: Communication drives creation
Recently we’ve had the pleasure of communicating with over 30 of our existing and users: borrowers and lenders. (For those of you who gave us your time, we sincerely appreciate it.) Their precious feedback has resulted in revisions and experiments that directly impact the Zirtue application’s user experience. We're excited to roll out these revisions in releases to come!!
- Zirtue Production
Recently we’ve had the pleasure of communicating with over 30 of our existing and users: borrowers and lenders. (For those of you who gave us your time, we sincerely appreciate it.) Their precious feedback has resulted in revisions and experiments that directly impact the Zirtue application’s user experience. We're excited to roll out these revisions in releases to come!!
- Zirtue Production
5.2.6
2022-07-05
On this episode: Direct Bill Pay
Did you know that our Direct Bill Pay feature allows you to borrow money from one friend or family member? Their loan goes directly to the billing company and you pay them on a schedule managed within Zirtue. Try it out!
- Zirtue Production
Did you know that our Direct Bill Pay feature allows you to borrow money from one friend or family member? Their loan goes directly to the billing company and you pay them on a schedule managed within Zirtue. Try it out!
- Zirtue Production
5.2.5
2022-06-15
On this episode: Another day, another bill paid, another dollar loaned and repaid.
No big news. Continuing to communicate with users, exterminating bugs, and working on improvements that will enhance the mobile expereince. More to come!
- Zirtue Production
No big news. Continuing to communicate with users, exterminating bugs, and working on improvements that will enhance the mobile expereince. More to come!
- Zirtue Production
5.2.4
2022-05-30
On this episode: Simplicity is key
To make borrowing and lending between friends and family less awkward, transparency and simplicity are key. This means working with Borrowers and Lenders to remove unnecessary friction and clarify the areas of confusion. We’re in experimentation mode! Additional app enhancements include kicking fraud’s A%#! and as always, terminating bugs. See you soon!
- Zirtue Production
To make borrowing and lending between friends and family less awkward, transparency and simplicity are key. This means working with Borrowers and Lenders to remove unnecessary friction and clarify the areas of confusion. We’re in experimentation mode! Additional app enhancements include kicking fraud’s A%#! and as always, terminating bugs. See you soon!
- Zirtue Production
5.2.3
2022-05-13
On this episode: Focused but not finished!
We’re back online! Primarily focused on ironing out our Direct Bill Pay functionality. This includes updates to copy to improve clarity and new features like “Manual Contact Selection”, allowing you to add a friend or family member to your loan request without providing Zirtue with access to all of your contacts. As always bug fixes (bc bugs... not today!). Until next time. Onward!
- A Zirtue Production
We’re back online! Primarily focused on ironing out our Direct Bill Pay functionality. This includes updates to copy to improve clarity and new features like “Manual Contact Selection”, allowing you to add a friend or family member to your loan request without providing Zirtue with access to all of your contacts. As always bug fixes (bc bugs... not today!). Until next time. Onward!
- A Zirtue Production
Ways to hack Zirtue: Lend & Borrow Money
- Redeem codes (Get the Redeem codes)
Download hacked APK
Download Zirtue: Lend & Borrow Money MOD APK
Request a Hack
Ratings
4.3 out of 5
792 Ratings
Reviews
majano_,
An Amazing Lending/Borrowing App on your fingers
So happy that I found this app! I needed a loan to pay my bill and my friend was there to the rescue. Was easy to register, sent the link to my friend, bill paid and set up the payment arrangements with no problems. Lifesaver! We all fall into hardship and many times we become embárreles or even hesitate to admit we need help. This app facilitates you to be able to connect your billing account number and once you’ve sent the link to the person willing to help, simply ask for the amount you’re needing, they’ll approve it and it’ll go directly to the account you need assistance with. I definitely recommend this app for those unable to move around or pick the money due to circumstances. It’s like counting 123!!!
SegoviaSUTA,
Reaching people most apps won’t.
This is my second time borrowing through Zirtue, and with good reason. Aside from the fact that it allows borrowers like me to be transparent with the need with actual PEOPLE, and not some lender-bot AI, the system itself is designed to access banks that lender-bot apps won’t (through Plaid’s ability to input account info manually). Having been a Zirtue customer, and being a seasonal worker (school bus driver), Zirtue has allowed me to borrow in times where I’ve needed it, be it for hard times over not-so-busy summer break, or in the most recent case, Thanksgiving break catching up with me. Thank you to the Zirtue team for giving the handshake loan more accountability.
The great manny,
So far so good
I just downloaded the app to cover the situation of having to lend money to a friend in the future. I reached out to customer service email to ask a couple additional questions that I was curious about and got a response within a few minutes. That is excellent! I also like that they go through Plaid for bank information keep my account secure. I’ll update this review when it’s time for me to lend some money
Cthulhuchick,
Not ready for prime time
It took me and a friend much too long to successfully do a loan on here they didn’t respond to multiple requests for help.
First, they try to verify bank accounts with Plaid, which is currently not working for my major US bank. Plaid had to help me figure out a workaround, Zirtue didn’t respond to my questions.
Then when I tried to accept her loan request, I kept getting the same generic error that didn’t make sense.
All in all, I emailed them 3 times, got 0 answers, and it took 5 days to get the bank accounts linked (1 day) and get the loan made (4 days). Meanwhile the car my friend was trying to buy got sold to someone else.
They emailed today asking me to review the app but there was no link in the “Review the app” text and no other link to review it. That’s really the app in a nutshell. That made me annoyed enough to open the App Store and leave a review.
Potential but expect it might be messy. Not ready for prime time—and if they answered emails I would be a lot less irritated by that.
First, they try to verify bank accounts with Plaid, which is currently not working for my major US bank. Plaid had to help me figure out a workaround, Zirtue didn’t respond to my questions.
Then when I tried to accept her loan request, I kept getting the same generic error that didn’t make sense.
All in all, I emailed them 3 times, got 0 answers, and it took 5 days to get the bank accounts linked (1 day) and get the loan made (4 days). Meanwhile the car my friend was trying to buy got sold to someone else.
They emailed today asking me to review the app but there was no link in the “Review the app” text and no other link to review it. That’s really the app in a nutshell. That made me annoyed enough to open the App Store and leave a review.
Potential but expect it might be messy. Not ready for prime time—and if they answered emails I would be a lot less irritated by that.
MBfay,
No More Handshakes
I love how this app makes what is normally a handshake agreement between friends/family into a structured, contract-backed loan. It auto drafts from the borrower’s checking acct each month so I no longer have to worry about the awkward part of reminding them to pay me. I have no problem lending money to my family, I just want something to take care of the reminders and payments. This is it. Amazing app, incredibly helpful!
TNEBEB,
The BEST
I assumed Zirtue was a pay loan app and thought they would loan me the cash, but I checked out the app and saw it’s a loan to borrow amongst my family and friends.
I was able to send a loan request to a family friend and she was able to download it with ease. Funds were sent and my bill was paid! Definitely looking forward to using it again.
I was able to send a loan request to a family friend and she was able to download it with ease. Funds were sent and my bill was paid! Definitely looking forward to using it again.
William Beauregard,
Useful!
I’ve heard a lot about this company and wanted to try it out as I find myself lending money often. Although verification was a little intense, which I completely understand given the fraud, the loan setup was simple and straightforward! Repayment could use some TLC but I think the direction is solid. Keep it up guys!
stephanie 1985,
Better than Venmo
Used Zirtue to loan my cousin some money and was 1000x better than Venmo. Terms were agreed to up front and repayment was automated and ach money back into my account so i didn’t have to think about Venmo requesting him and chasing the money down the road. If your loaning money to someone versus one way payments this is the platform you should be doing it on!
spence100,
Hassle Free
Nothing else like it. User friendly and easy to understand. Much easier than going to a lawyer to draft up documents and it provides a sense of relief knowing the money you lent out will be repaid to you via a binding agreement. Let alone how easy it is that all the payments are auto generated so I don’t have to follow up with anyone to track down my loan!
KickTheGigNoah,
Damaged trust with friend, 0 customer support
I made several attempts to reach out to customer service when I changed banks. Zirtue never restarted my payments or replied to my emails in over two months of attempts. No attempt to reach me. Then they deactivated my account. It's been horrible for my friendship, since they agreed to the loan in part because a third-party would handle payment without either of us needing to think about it. Now they feel lied to. Obviously, this loan to them is my responsibility and I'll make good on it. But you know you did wrong, Zirtue.