Transfer types: Glossary
Same-Day ACH | At this time, only Direct Bill Pay loans are eligible for SD ACH |
Regular ACH | All ACH transfers default to Regular ACH. |
Billing Account | This is the billing company's (Reliant, AT&T, Toyota, etc) account. |
Debit Card | Visa or Mastercard Debit Cards |
Partner Account | A verified Zirtue billing partner |
Service Fee | This one-time fee is paid to Zirtue by the Lender and repaid to the Lender by the Borrower on the agreed-upon repayment schedule. |
Service fees and settlement timeline
Once the loan has been accepted by the receiver. The following service fee is charged to the sender.
Transfer Type | Settlement timeline | Service Fee |
SD ACH → Partner Acct | 1-2 business days | 3% - 5% |
Regular ACH → Regular ACH | 3-5 business days | 3% - 5% |
Regular ACH → Debit Card | 1-3 business days | 3% - 5% |
Debit Card → Debit Card | Same day | 3% - 5% |
Other Fees
Customer service (automated) | $0.00 | No fee to call our automated Customer Service line. |
Customer service (live agent) | $0.00 | No fee to call a Customer Service agent. |
Real-time alerts | $0.00 | No fee to receive real-time alerts on your phone. Standard text messages & data rates may apply. |
Account statements | $0.00 | No fees for CSV copies of your account statements. |
Transaction declined due to insufficient funds | $0.00 | No fees for declines due to insufficient funds. |