You can start a Bill Pay Loan using the link provided by Brightside. 1. Register an account. 2. Search for your biller. 3. Enter your account number. 4. Choose the amount you need help paying. 5. Send the bill pay loan request to a friend or family member.

Yes! Once a loan request is approved and funded, Zirtue sends the payment directly to the billing company on the borrower’s behalf.

No. Zirtue doesn’t lend money or offer payday advances. Zirtue is a peer-to-peer lending platform that helps people borrow and lend money with people they know and trust. When you create a loan through Zirtue, the funds come from your chosen lender (like a friend or family member), not from Zirtue itself.

No. Zirtue is not affiliated with credit bureaus at all. All loans made on the Zirtue mobile application platform are personal loans based on trusted relationships and are strictly between the lender and borrower.

If a repayment fails or is missed, the loan automatically enters "Repayment Recovery" mode to help manage the situation, with our support team acting as a mediator.

All Brightside members receive a 20% discount on the one-time Zirtue Pay processing fee, 4% instead of the standard 5%. This fee covers secure payments, repayment automation, and fraud protection. The lender pays it upfront, and it's repaid by the borrower along with the loan amount during the agreed repayment schedule.