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VIGA™ — Emergency Loans. Zero Interest. Always.

VIGA is not yet making loans in California. Our application for exemption as a nonprofit facilitating zero-interest loans (Cal. Fin. Code §22066(c)(4)) is pending with the Department of Financial Protection and Innovation. No applications are accepted and no loans will be made until the exemption is granted.

For borrowers · The loan, in plain words

A little short of an urgent need? That’s exactly who we’re for.

Not a payday loan. Not charity. A zero-interest Bridge Loan between what you have and what the moment demands. Want the screen-by-screen tour instead? See How It Works →

Apply at Launch

The short version

Three sentences. That's the deal.

1

Apply online with the required info

Your estimate, your details, a soft credit pull (no score impact), and secure read-only access to your bank statements.

2

The system determines the split

After reviewing your credit and bank statements, it determines your eligibility — what you should pay, and what VIGA will pay.

3

Sign, get funded, repay on paydays

You e-sign, your provider is paid directly by ACH, and small installments ride your pay dates until it’s done — zero interest, zero fees.

🤝 The 2nd borrower

Don’t qualify for the whole amount? A 2nd borrower can bridge the rest.

If the system can't approve your full gap, you don't have to walk away. Someone who cares about the same need can apply too — completely on their own, with VIGA playing no part in connecting you.

Their own loan, entirely

A 2nd borrower applies on their own and qualifies on their own finances — their own application, their own contract, their own repayment schedule, their own soft pull.

Same case, same bill

Every application asks: for yourself, or for an existing case? They select the case, and on approval their loan is paid toward the same verified need, directly to the same provider — together, the whole bill gets covered.

A 2nd borrower is never a guarantor, co-signer, or co-borrower — and VIGA never links the two of you. Nobody vouches for or guarantees anyone else’s loan; each borrower qualifies independently and repays only their own loan.
Apply at LaunchSee the 10 screens

Any urgent need — not just pets

Real gaps VIGA bridges.

Pets

Our flagship fund — VIGA · Pet Emergencies pays your clinic directly.

Launching soon
Coming soon

Housing

Lin's shifts got cut; rent came due anyway. VIGA bridged $900.

Coming soon

Transportation

María's car broke down before her double shift. VIGA bridged $800.

Coming soon

Health

An ER co-pay landed before payday. VIGA bridged Jake's $650 gap.

Coming soon

Family

Flora needed $1,000 to say goodbye to her brother in time. VIGA was the way.

Coming soon

Tools of your trade

DeShawn's drill press failed. VIGA bridged the rest. His crew kept working.

💛 After the bridge

Become a giver — reciprocate the kindness.

Someone’s repaid dollar built your bridge. When you’re back on your feet, hold the bridge up for the next family — with a dollar, or an hour.

DonateVolunteer

Straight answers

Know before you owe.

What does it cost?
Zero interest. Zero fees. You repay exactly what was borrowed — every dollar shown in your contract before you sign.
Will applying hurt my credit?
No. Soft pulls only — never a hard one. And on-time repayment is reported to the credit bureaus, so your score can grow while you repay.
Do I get the money?
No — and that's the point. After the service, the provider bills VIGA and we ACH them directly within 1–2 business days. The money can only do one thing: help.
What if the system says no?
We respectfully decline rather than lend anyone into a hole — and we tell you your options: a stronger co-pay, a 2nd borrower applying independently to the same case, or trying again when your cashflow steadies.
How do I repay?
Your choice of three ways: automatic payments (ACH) on your pay dates, self-pay through a secure payment link we send you, or self-pay by check or money order by post. Zero interest and zero fees, whichever you choose.
Do you offer loans through employers or by payroll deduction?
No. VIGA lends directly to individuals. VIGA does not offer any loan through an employer or repaid by payroll deduction in California.
Apply at Launch