Zirtue is not a lender and does not offer or provide any loan guarantees or repayment guarantees. All loans made on the Zirtue mobile application platform are personal loans based on trusted relationships with your friends, family, contacts and trusted relationships.

Zirtue provides a system to automate the repayment process and encourages all borrowers to repay all loans per the agreed payment schedule. Automatic reminders and notifications are sent to all users throughout the loan period.