Zirtue

Bill Pay Loans

Borrow

Lend

Repay

Borrow

Lend

Repay

You sent a request
$21.53
Paid

Get your bill paid with Zirtue Pay and choose from over 40,000 billers. From local utilities to national billers and everything in between.

Built for extra support when it matters most.

Clear terms. Direct payments. Zero friction.

One place to handle it all.

Clear terms. Direct payments. Zero friction. One place to handle it all.

Request in minutes

Borrow easily from friends or family, set clear terms, and let Zirtue Pay send funds directly where needed.

Flexible schedule

Never miss a payment

Bill Pay to AT&T

$54.28

Use Zirtue for my bill?

$54.28

Request in minutes

Borrow easily from friends or family, set clear terms, and let Zirtue Pay send funds directly where needed.

Flexible schedule

Never miss a payment

Bill Pay to AT&T

$54.28

Use Zirtue for my bill?

$54.28

Get a hand up, not a handout.

A kinder way to handle loans.

Your trusted person. Mutual terms.

Learn more

Access over 40,000+ bill providers.

Choose from more than 40,000 billers with Zirtue, giving your lender clarity on exactly where their support is going. Transparency comes built-in!

Access over 40,000+ bill providers.

Choose from more than 40,000 billers with Zirtue, giving your lender clarity on exactly where their support is going. Transparency comes built-in!

Access over 40,000+ bill providers.

Choose from more than 40,000 billers with Zirtue, giving your lender clarity on exactly where their support is going. Transparency comes built-in!

Manage money together, hassle-free.

Money can shift relationships, but it doesn’t have to. Keep things clear and confident with tools that share information the right way.

Manage money together, hassle-free.

Money can shift relationships, but it doesn’t have to. Keep things clear and confident with tools that share information the right way.

Manage money together, hassle-free.

Money can shift relationships, but it doesn’t have to. Keep things clear and confident with tools that share information the right way.

Nurture your dearest relationships.

Friends and family have always supported one another. Zirtue Pay simply gives you the clarity and comfort to do it with ease.

Nurture your dearest relationships.

Friends and family have always supported one another. Zirtue Pay simply gives you the clarity and comfort to do it with ease.

Nurture your dearest relationships.

Friends and family have always supported one another. Zirtue Pay simply gives you the clarity and comfort to do it with ease.

Bill now and pay it over time.

Cover a bill today and pay it back at a pace that fits your life. Flexible repayment options give you more control and room to breathe.

Bill now and pay it over time.

Cover a bill today and pay it back at a pace that fits your life. Flexible repayment options give you more control and room to breathe.

Bill now and pay it over time.

Cover a bill today and pay it back at a pace that fits your life. Flexible repayment options give you more control and room to breathe.

Why use Zirtue Pay

A safe and easy-to-use solution.

Direct bill payment with Zirtue Pay.

Flexible schedule
Zero interest
No late fees

Auto repayments
Scheduled reminders
Early pay off

Early pay off

Scheduled reminders

Auto repayments

Flexible schedule

Zero interest

No late fees

Get your bill paid in

just 3 steps

Get Zirtue Pay

Over 20,000+ billers

Zero interest

Request a Bill Pay Loan

Your Bill Pay Loan request is ready to be sent with just a few taps using Zirtue Pay.

Request a Bill Pay Loan

Your Bill Pay Loan request is ready to be sent with just a few taps using Zirtue Pay.

Request a Bill Pay Loan

Your Bill Pay Loan request is ready to be sent with just a few taps using Zirtue Pay.

Get your Bill Paid

Once your loan is approved, Zirtue sends the funds directly to your biller.

Get your Bill Paid

Once your loan is approved, Zirtue sends the funds directly to your biller.

Get your Bill Paid

Once your loan is approved, Zirtue sends the funds directly to your biller.

Repay on Your Terms

Automatic repayments help you focus on what really matter, your relationships.

Repay on Your Terms

Automatic repayments help you focus on what really matter, your relationships.

Repay on Your Terms

Automatic repayments help you focus on what really matter, your relationships.

"This is my second time borrowing through Zirtue, and with good reason."

"This is my second time borrowing through Zirtue, and with good reason."

"This is my second time borrowing through Zirtue, and with good reason."

Zirtue x Payment Guard by

We've got you covered

We understand how financial stress could affect you when your income stops unexpectedly. So we teamed up with TruStage™ to provide Payment Guard Insurance to Zirtue customers at no additional cost.

Terms and conditions apply. Learn more

Get started

Zirtue x Payment Guard by

We've got you covered

We understand how financial stress could affect you when your income stops unexpectedly. So we teamed up with TruStage™ to provide Payment Guard Insurance to Zirtue customers at no additional cost.

Terms and conditions apply. Learn more

Get started

Zirtue x Payment Guard by

We've got you covered

We understand how financial stress could affect you when your income stops unexpectedly. So we teamed up with TruStage™ to provide Payment Guard Insurance to Zirtue customers at no additional cost.

Terms and conditions apply. Learn more

Get started

How Zirtue helps friends and families

Get Zirtue Pay

Lifesaver!
"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 no longer have to worry about the awkward part."
No more handshakes
"I love how this app makes what is normally a handshake agreement between friends and family into a structured, contract-backed loan. I no longer have to worry about the awkward part of reminding them to pay me."
With actual people
"This is my second time borrowing through Zirtue, and with good reason. It allows borrowers like me to be transparent with the need with actual people, and not some lender-bot AI."
0
%
User satisfaction
built on trust and results.
Lifesaver!
"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 no longer have to worry about the awkward part."
No more handshakes
"I love how this app makes what is normally a handshake agreement between friends and family into a structured, contract-backed loan. I no longer have to worry about the awkward part of reminding them to pay me."
With actual people
"This is my second time borrowing through Zirtue, and with good reason. It allows borrowers like me to be transparent with the need with actual people, and not some lender-bot AI."
0
%
User satisfaction
built on trust and results.
Lifesaver!
"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 no longer have to worry about the awkward part."
No more handshakes
"I love how this app makes what is normally a handshake agreement between friends and family into a structured, contract-backed loan. I no longer have to worry about the awkward part of reminding them to pay me."
With actual people
"This is my second time borrowing through Zirtue, and with good reason. It allows borrowers like me to be transparent with the need with actual people, and not some lender-bot AI."
0
%
User satisfaction
built on trust and results.
Lifesaver!
"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 no longer have to worry about the awkward part."
No more handshakes
"I love how this app makes what is normally a handshake agreement between friends and family into a structured, contract-backed loan. I no longer have to worry about the awkward part of reminding them to pay me."
With actual people
"This is my second time borrowing through Zirtue, and with good reason. It allows borrowers like me to be transparent with the need with actual people, and not some lender-bot AI."
0
%
User satisfaction
built on trust and results.

Take back control of your finances.

We know that asking for help can be damn hard, but we're here to make it easier for you. Choose your way to ask for help and make money chats less awkward.

Get Zirtue Pay

4.5 ★ on App Store

Backed by industry leaders

2021

The Next 1000 List

Take back control of your finances.

We know that asking for help can be damn hard, but we're here to make it easier for you. Choose your way to ask for help and make money chats less awkward.

Get Zirtue Pay

Backed by industry leaders

2021

The Next 1000 List

Take back control of your finances.

We know that asking for help can be damn hard, but we're here to make it easier for you. Choose your way to ask for help and make money chats less awkward.

Get Zirtue Pay

Backed by industry leaders

2021

The Next 1000 List

Built for extra support when it matters most.

Built for extra support when it matters most.

Built for extra support when it matters most.

Get a hand up, not a handout.

Get a hand up, not a handout.

Get a hand up, not a handout.

Why use Zirtue Pay

Why use Zirtue Pay

Why use Zirtue Pay

Request a Bill Pay Loan

Request a Bill Pay Loan

Request a Bill Pay Loan

Get your Bill Paid

Get your Bill Paid

Get your Bill Paid

Repay on Your Terms

Repay on Your Terms

Repay on Your Terms

"This is my second time borrowing through Zirtue, and with good reason."

"This is my second time borrowing through Zirtue, and with good reason."

"This is my second time borrowing through Zirtue, and with good reason."

We've got you covered

We've got you covered

We've got you covered

How Zirtue helps friends and families

Lifesaver!

"I no longer have to worry about the awkward part."

No more handshakes

With actual people

Take back control of your finances.

Take back control of your finances.

Take back control of your finances.