Zirtue lets you borrow money from someone you know to pay a bill directly. No middleman, no confusion. Instead of sending money to your bank account, your lender’s money goes straight to the biller (like your phone company, car lender, or power provider). It’s an easier, safer way to get help with bills and it gives both sides peace of mind knowing exactly where the money’s going.
Who is Zirtue a Fit For?
Zirtue is designed for:
Borrowers who just need help catching up on a bill
Lenders who want to help but also want accountability
We make the whole process clean, structured, and drama-free.
What value does Zirtue bring me?
Zirtue keeps things simple, transparent, and automated.
We send payments straight to the biller, so there’s no confusion about where the money goes.
We automate repayment, so no one has to chase anyone down.
We make everything trackable, so both sides always know the status.
In short: Zirtue takes the awkwardness out of borrowing and lending between people who trust each other.
What type of loans can I make with Zirtue?
Right now, Zirtue only supports Bill Pay Loans. This means loans that go directly toward paying bills.
Here’s how it works:
The borrower connects their bill (like AT&T, Toyota, or Reliant Energy).
The lender approves the request.
Zirtue sends the money straight to the biller, not the borrower’s account.
That’s what makes Zirtue different the money always goes where it’s supposed to
How do I get started?
Getting started takes just a few minutes:
Go to pay.zirtue.com to create an account.
Search for your biller and connect your billing account.
Set your loan amount and share it with your lender.
Once approved, we handle the payments and repayment automatically.
✅ No credit checks
✅ No confusion
✅ No awkward conversations
Check out this video featuring our CEO Dennis Cail