How MiKashBoks loans work
Sign up
Open a free digital MikashBok account and get it verified with our secure and encrypted process.
Choose loan type
Set a custom loan amount or choose Direct-Bill Pay. With Direct-Bill Pay, funds go straight to a provider.
Send loan request
Send the request to one of your contacts, or select a new contact by entering a phone number.
Agree on details
Choose a repayment date that works for you and see exactly how much interest applies to the loan.
Asking for help has never been easier
We know that financial situations can sometimes be unpredictable, but the way we handle it doesn’t have to be.
Lend a helping hand
Lend financial help to friends and family in one easy space. You’ll help them, and Zirtue helps you get paid back automatically.
Get a loan smarter and faster
We know that financial situations can sometimes be unpredictable, but the way we handle it doesn’t have to be.
Make it personal
Add a personal note along with the request
to track the reason for your loans easily.
Utilities, rent, groceries, car payments… you name it!
Access your funds quickly
Every Zirtue bank account comes with a free in-app Mastercard digital card. Use your card to send, receive, and spend money in real-time!
Why MiKashBoks
MiKashBoks Relationship-Based Lending
Free bank account provided
Repayment terms set by you
No credit check
Direct bill pay option
Loan forgiveness features
Payday and Predatory Loans
Bank account required
No flexibility in payback
Credit check required
Early payment penalties
Huge interest (e.g. 400%)
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