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 that automates the loan repayment process. It uses a comprehensive notification system (email, text, and push notifications) to remind borrowers to repay their loans according to the agreed payment schedule. Automatic reminders and notifications are sent to all users throughout the loan period.