Apps Like Zirtue: Top Alternatives for Peer-to-Peer Lending in 2025 

Apps such as Zirtue, SoLo Funds, Lenme, and Kiva are the best options for peer-to-peer lending in 2025. All platforms support easy loans and borrowing. If you want to create an app like Zirtue with practical features that users adore, these apps are excellent examples to follow.

The Future of Lending Apps Like Zirtue  

Borrower and lending apps are gaining a lot of popularity in 2025 because people want more transactional speed, control, and transparency. These systems allow users to lend and borrow directly without needing to wait for a bank to process anything. The procedure seems less stressful and more intimate. More startups are looking to build apps like Zirtue in response to the growing demand for adaptable and user-friendly financial solutions as confidence in digital tools increases. As a result of lower costs and quicker approval rates than conventional loans, users are now opting for P2P applications. This shift shows that digital lending is already shaping the future of finance.

How Zirtue Became a Leading Name in Lending 

Zirtue influenced public perceptions of peer-to-peer lending. It is one of the best apps, such as Zirtue, and is becoming more and more trusted. It has a devoted user base with its emphasis on relationships and financial transparency. Here are some important factors that set it apart from the others, in case you were wondering why.

Build on Trust 

Zirtue is more than just a lending app because it bases its platform on trust. This solid emotional base sets it apart from a lot of other apps in the expanding lending market, such as Zirtue.

Easy-To-Use App

Lending and borrowing are made simple with Zirtue’s user-friendly interface. Users don’t become lost in unclear steps. Its design saves time and eliminates friction. This simplicity is a major factor in Zirtue’s rising popularity among similar apps.

Bank Integration 

Users benefit from an effortless and hassle-free experience with Zirtue’s bank integration. It ensures that money transfers directly and without taking any dangerous actions. Zirtue is superior to numerous peer-to-peer platforms and other lending apps in part because of this.

Strong User Support 

Zirtue outperforms other peer-to-peer lending apps with its robust user support. This helpful service enhances users’ confidence and encourages them to come back to the platform they trust, whether it’s by answering questions quickly or fixing difficulties.

Mission Driven Growth 

Mission-driven growth gives Zirtue a sense of purpose in addition to helping it scale. In contrast to other lending platforms, which are developed by adding value, enhancing trust, and developing financial tools that meet actual human needs.

How Does Zirtue Work for Lenders and Borrowers 

Zirtue is a great help when it comes to lending money since it often complicates a relationship. Simply tap to request it, lend it, or manage money using the app. No more nagging reminders, keeping the whole process professional and transparent. Let’s see how Zirtue works for both borrowers and lenders.

For Borrowers 

Through Zirtue, borrowers can get funds through reliable individuals without experiencing additional anxiety or confusion. It keeps the loan process personal while simplifying it. Here are some real ways that Zirtue helps borrowers with their financial journey.

Request a Loan 

Borrowers can submit a loan request with Zirtue in a few taps, ensuring an effortless and confidential process. They can send the request immediately, select their lender, and set terms. 

Set Terms 

Zirtue enables borrowers to establish flexible terms that fit their requirements and schedule. Apps compared with traditional platforms encourage open discussion and help prevent misunderstandings right away.

Auto Pay Setup

Borrowers don’t need to be reminded to make loan installments with Zirtue’s auto pay option. It ensures timely payments for all. Through a lack of worry about forgetting or postponing repayments, apps such as Zirtue build trust.

Transparency First 

Zirtue’s focus on transparency ensures that borrowers remain well-informed, self-assured, and in charge. Clear terms, payment tracking, and open channels of communication are all provided by lending apps.

For Lenders

Zirtue gives lenders an easy way to help people they trust while maintaining control over the procedure. It’s among the few applications, similar to Zirtue, that truly center financial assistance around relationships and trust. This approach makes lending more transparent, relatable, and personal for those giving the help.

Receive Request 

Zirtue makes receiving requests easy and stress-free. Applications like Zirtue, in contrast to others, make it easy to assess and understand each borrower’s needs before taking any action.

Approve with Ease

A few taps on a phone are enough for banks to approve loans. With trusting repayment schedules for loans, it is easy to approve these loans. Lending is easy with apps like Zirtue, which offers trust and speed.

Track Everything 

Lenders have a clear picture of the whole lending process with Zirtue. Such apps provide complete visibility at every stage and transparent timelines, in contrast to other platforms. This keeps lenders organized and self-assured throughout.

Secure Transaction

Zirtue’s simple repayment tracking and well-structured digital agreements protect lenders. These apps help lenders prevent misunderstandings and provide them with peace of mind by making the whole lending process more organized and reliable.

Best Alternative Peer-to-Peer Lending Apps Like Zirtue in 2025 

The growth of peer-to-peer lending is making a safe presence with the increase in preference for personal loans. The following are a few examples of lending apps that provide easier, quicker, and more secure peer-to-peer lending. They prioritize easier terms, improved borrower control, and real-time approvals. The top Zirtue-like apps for 2025 are listed below.

SoLo Funds 

These days, one of the most talked-about social lending apps is SoLo Funds. It enables users to handle personal loans without the typical difficulties. It focuses on helping communities support one another and is a trusted name in personal loan applications. It’s planned for those who wish to avoid conventional credit checks. SoLo Funds is unique among P2P lending apps for the reasons listed below.

No Interest Loans 

SoLo Funds stands out for providing fair, stress-free borrowing with its no-interest loan feature. It eases the burden of repayments and makes it an ideal choice for friends and family compared to other loan apps.

Boosts Credit 

When borrowing, users can improve their financial situation with the help of the boost credit feature.  SoLo Funds promotes credit growth with each successful repayment, in contrast to many other peer-to-peer lending apps.

Fast Payouts 

Users no longer have to wait days for help with quick payouts. Fast payouts from SoLo Funds reduce stress and delays. This feature puts it ahead of many social lending apps on the market when timing is crucial.

Flexible Microloans 

This installment loan alternative allows borrowers to control how much they need and when they want it to come due, all with the same lender. It keeps the lending as transparent, fair, and user-centred as possible.

Upstarts 

Upstart is becoming renowned among modern P2P lending platforms and is a reputable brand in the personal loan app industry. Its method feels less standard, more human, and aligns with how people manage their finances nowadays. Here are a few reasons why Upstart is currently ranked higher than many other money lending apps.

Peer-to-Peer Lending 

Upstart stands out for its direct P2P lending model, which connects users without elaborate processes needing to be done. It’s fewer layers mean faster choices and a more human touch than rival personal loan apps.

No Required Interest 

By avoiding interest fees, Upstart becomes more of a social lending app rather than a bank. Being one of the few lending apps that doesn’t require a credit check and helps users avoid additional fees, it’s perfect for individual use.

Fast Payouts

Quick payouts are beneficial. Upstart separates itself by providing users with instant access to money when they need it most. Unlike other peer-to-peer lending apps, which frequently take longer, this process is quick.

No Credit Check 

Upstart is a popular option for people seeking quick and simple loan access because it does not require a credit check.  More users searching for hassle-free loan apps for friends and family are drawn to it with this feature.

CASHe

CASHe offers flexible personal loan options and a smooth mobile app borrowing experience. Many people who are looking for hassle-free lending solutions are drawn to its user-friendly approach. The main factors that contribute to CASHe’s high ranking among interest-free and peer-to-peer lending apps are listed below.

Instant Loan Approval 

CASHe’s instant loan approval accelerates the borrowing process, making it simple to obtain funds when you need them most. Many people prefer it to other social lending and repayment tracking apps because of its speedy process.

No Collateral Needed 

The CASHe is quick and easy with its no-collateral loans. This feature defines it from other loan apps for friends and family, as well as repayment tracking apps that might need security.

Flexible Repayment Options

Repayment stress is eliminated by CASHe by providing options that adjust to the specific needs of each user. It differs from other P2P lending platforms and personal loan apps due to its considerable flexibility.

Credit Score Improvement 

CASHe provides value beyond lending by helping borrowers boost their credit scores through on-time repayment records. It differs from other money lending apps because of this feature.

Money Tap

Money Tap makes getting personal loans easy. The app connects borrowers with reliable and quick loans in a simple and easy-to-navigate app interface. If you are looking for easy and trustworthy peer-to-peer lending apps, this one is a good choice. These are some of the primary features that set Money Tap apart from other lending apps.

Minimal Documentation 

Money Tap saves time by requiring less documentation, which expedites approvals. Users who are looking for quick loans through digital loan agreements or social lending apps will find this simple approach appealing.

Transparent Fee 

Money Tap users can see exactly what they pay with clear and transparent fees. Because of this transparency, borrowing on P2P lending platforms and loan apps for friends and family is easy and reliable.

Flexible Credit Lines 

With Money Tap’s flexible credit line, customers can borrow in a novel way and take out what they need when they need it. Because it gives users freedom and authority over their borrowing, this feature sets it apart from other personal loan apps.

Easy EMI Options 

Users can repay loans without feeling overburdened with Money Tap’s simple EMI options. Its adaptability makes it an effective digital loan agreement platform for regular borrowers.

mPokket

A reliable app for borrowing money, mPokket is known for its easy-to-use lending process. It is a practical option among peer-to-peer lending apps since it enables users to obtain loans instantly and with minimal difficulty. A few features that set mPokket apart from other social lending apps are listed below.

Student-Focused Loans 

For teens who require immediate cash, mPokket simplifies the loan application process by giving preference to student borrowers. It is a popular option among financial lending apps since it enables young users to obtain money quickly and stress-free. 

No Hidden Charges 

Borrowers know exactly how much they owe because mPokket says there are no hidden fees. This feature boosts confidence and simplifies repayments for interest-free lending apps and loan apps for friends and family.

Seamless KYC Process 

With mPokket’s easy KYC system, users can get loans without complex steps. This improves the entire borrowing experience when compared to other peer-to-peer lending apps.

Instant Credit Limit Increase 

In times of need, users can quickly access additional funds with the instant credit limit exceed feature. This is one of the reasons that users find mPokket to be more flexible than other lending apps.

Must-Have Features in Peer-to-Peer Lending Apps in 2025 

More than just transferring money between users is what a great peer-to-peer lending app should do. It should make everyone feel more at ease and trusting. An app can become great with the correct flow and design. Here are some features that are essential when building apps like Zirtue.

Secure User Verification 

Secure verification processes help with determining the true identity of the person making each loan request or offer. It prevents fraud and increases user trust, which in turn enhances the app’s reliability. Safe money lending between friends or strangers should be the primary objective for any reliable financial lending application.

Loan Request and Custom Terms 

Giving users the ability to submit holistic loan requests with unique terms promotes fair and transparent agreements.  It improves security and communication in financial lending applications, which simplifies and streamlines the process overall.

Automated Repayment System 

Nowadays, it’s common for people to track their loan payments using automated repayment systems. Payment automation saves time and effort because everything is managed without personal intervention. For peer-to-peer lending applications, this function is important, as it makes automated transactions accurate and simple.

Real-Time Communication & Tracking 

With loan requests and repayments tracked in real time, lending simplifies and increases transparency. This increases trust in the lending process and eliminates confusion. This feature is essential for anyone using an app to lend or borrow money.

Digital Agreement and E-Signatures

Loan terms that are clear and fully enforceable by law include digital agreements and e-signatures. Social lending apps and financial lending apps offer quick and safe ways to complete loans.

Security Features You Need in a Peer-to-Peer Lending App 

Security in the context of financial lending apps ensures that the platform is reliable for both lenders and borrowers. When they borrow or lend money, users expect their information and transactions to remain confidential and secure. Any lending app that does not require a credit check or that allows users to borrow money in 2025 should have these essential security features.

Data Encryption 

It is encrypted so that no one can see the personal information without permission. This adds another layer of security for customers using lending apps, ensuring they can keep their information confidential.

Two-Factor Authentication

Two-factor authentication is a little secure than the previous one because it requires the user to identify it. Such additional security safeguards protect the information and transactions of the users, so the application may be safer to use for borrowing and lending.

Secure Payment Processing 

All fund transfers are further protected by secure payment processing. It stops fraud and mistakes, which makes lending money to friends safe and stress-free.

Identify Verification

Peer-to-peer lending apps offer additional protection in the form of these identity checks. The purpose of the verification is to prevent fraud, which will reduce the probability of any scam and ensure it is used by proper lenders and borrowers.

Regular Security Audits 

Regular security audits can help locate any weaknesses in the security protocols of social lending apps. This planned approach lowers the probability of cyberattacks or breaches while protecting user data.

Time to Build an App Like Zirtue and Make an Impact

Peer-to-peer lending applications are rapidly changing, and users are searching for safer and more efficient methods to lend and borrow money. It increases user demand for secure, simple, and open lending and borrowing platforms. Your social lending app can differentiate itself by focusing on user needs and offering features such as digital agreements and repayment tracking. Begin now to use digital lending to effect positive change in 2025 and beyond.

Why Devherds is the Right Choice to Build Apps Like Zirtue 

Strong technology, a smooth user experience, and reliable features are essential for success in the expanding peer-to-peer lending app market. Devherds offers experience in building scalable, smart, and secure financial lending applications that are suited to actual user requirements. We provide solutions that satisfy today’s economic demands, whether they involve digital loan agreements, repayment tracking, or smooth user experiences. Businesses seeking to build an app like Zirtue, our experienced lending app developer, can help you transform your idea into a product.

FAQs