Updated Frequently Asked Questions (For Billers to Publish)

Below are some of the most common questions your customers or members may have when using Zirtue Pay. These FAQs are written from the customer’s perspective and cover how Zirtue works, what they can expect during the Bill Pay Loan process, and how repayments and security are handled. Feel free to share or publish this section anywhere you provide billing support or payment options to help your customers get accurate, consistent answers.

(All content current & aligned with Zirtue Pay)

Q: Who is Zirtue a fit for?

Zirtue is designed for people who need help paying a bill and want to request support from someone they trust—typically a friend or family member. It’s also helpful for individuals who want to assist someone they care about but want a structured, automated repayment plan instead of informal IOUs.

Q: Does Zirtue give out loans or payday advances?

No. Zirtue does not lend money. Instead, Zirtue provides the platform that enables a trusted friend or family member (“the lender”) to pay a customer’s bill directly, while Zirtue manages the repayment schedule between both parties.

Q: Will Zirtue affect my credit score?

No. Using Zirtue does not affect your credit score. Zirtue does not run credit checks, report to credit bureaus, or impact your credit history.

Q: Does Zirtue charge interest or fees?

Zirtue does not charge interest, late fees, prepayment fees, annual fees, or account-opening fees.
There is only a one-time service fee of 5%, applied when a Bill Pay Loan is created. That’s it.

Q: How does Zirtue make money?

Zirtue earns revenue from the one-time service fee applied when a Bill Pay Loan is created. Unlike traditional lending models, Zirtue does not rely on interest or penalties.

Q: Is prequalification necessary?

No. Users simply create an account, verify their identity, and begin requesting (or accepting) a Bill Pay Loan immediately.

Q: What is the minimum and maximum loan amount?

Bill Pay Loan amounts range from $20 to $1,000.
Users choose the exact amount they need, within these limits.

Q: How quickly will the biller receive funds?

Payments typically arrive within 2–3 business days after the lender accepts the loan request.
Timing may vary depending on the biller’s payment posting schedule.

Q: Can I repay my loan early?

Yes. Early repayment is encouraged and comes with no additional fees. Users can make payments ahead of schedule anytime.

Q: What happens if I miss a repayment?

If a repayment fails, Zirtue will automatically retry the payment and adjust the repayment schedule accordingly. Users will be notified if action is required.

Q: How secure is my information on Zirtue?

Zirtue uses industry-standard security protocols, encryption, and SOC 3 compliance to protect user data. Financial information is never stored, and all identity and payment data is processed through secure, regulated providers.

Q: Can I change the terms of a loan after it’s created?

Once a Bill Pay Loan is accepted, the terms cannot be modified.
However:

• A lender may cancel the loan before funds are sent.

• A lender may forgive the loan at any time.

Q: Can loans be forgiven?

Yes. Only the lender can forgive the loan. If they choose to do so, they can open their Zirtue account, view the repayment plan, and tap “Forgive” at any time.

Q: Can I add interest to my loan?

No. Zirtue Bill Pay Loans are interest-free.

Q: How many active loans can I have?

Borrowers can have up to two active or pending Bill Pay Loans at a time.