I just downloaded the app to cover the situation of having to lend money to a friend in the future. I reached out to customer service email to ask a couple additional questions that I was curious about and got a response within a few minutes. That is excellent! I also like that they go through Plaid for bank information keep my account secure. I’ll update this review when it’s time for me to lend some money
Fast and reliable
It took me and a friend much too long to successfully do a loan on here they didn’t respond to multiple requests for help. First, they try to verify bank accounts with Plaid, which is currently not working for my major US bank. Plaid had to help me figure out a workaround, Zirtue didn’t respond to my questions. Then when I tried to accept her loan request, I kept getting the same generic error that didn’t make sense. All in all, I emailed them 3 times, got 0 answers, and it took 5 days to get the bank accounts linked (1 day) and get the loan made (4 days). Meanwhile the car my friend was trying to buy got sold to someone else. They emailed today asking me to review the app but there was no link in the “Review the app” text and no other link to review it. That’s really the app in a nutshell. That made me annoyed enough to open the App Store and leave a review. Potential but expect it might be messy. Not ready for prime time—and if they answered emails I would be a lot less irritated by that.
Don’t waste your time downloading this app unless you have people who you can borrow from in your contacts
Can’t set repayment to earlier than 3 months. Doesn’t allow entering repayment amount for one time. It set .34 cents as interest on its own. Doesn’t show you all of the borrowing steps without a trial subscription. Should hide a lender’s info to “others”.
Do not use this app , suspends users for no reason and still takes money .... also gives no reason on what type of suspicious activity is happening !!! Update They only have one email to contact. I will be filing a lawsuit. It’s a scam.
When I get to the “Please enter your mailing address for verification” screen, nothing happens. My address isn’t recognized and anything I put in the field does nothing. I only get the message “Oops, please select address from address list.” No list pops up for anything I type in.
I signed up processed a loan to my daughter the funds were deducted 1,000 than Zirtue canceled account and my daughter never received the money. BEWARE - I’ve emailed and text virtue with no response this could be a scam. Zirtue please reply.