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 →
The short version
Three sentences. That's the deal.
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.
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.
Sign, get funded, repay on paydays
You (and your guarantor) 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 guarantor
Someone who believes in you co-signs beside you.
Every Bridge Loan is backed by trust made visible: a guarantor who co-signs your loan. It's how zero-interest lending has kept a 99%+ repayment rate worldwide — dignity, vouched for.
Who can be one
A family member, friend, or colleague who trusts you. They provide their Social Security number and co-sign the loan — a soft pull for them too, never a hard one.
How they sign
During your application, we send them a secure link on your behalf, straight from your device. They sign up and co-sign from their own phone in minutes.
Pro tip
Call them ahead of time. Emergencies move fast — a heads-up call means your guarantor is ready to sign the moment the link arrives.
🪢 The co-borrower
Don’t qualify for the whole amount? Bridge the bridge.
If the system can't approve your full gap and you can't put up your piece, you don't have to walk away. Bring in a co-borrower.
Apply alongside you
A co-borrower joins your application and borrows part of the same need, on their own repayment schedule — together you make up the full amount.
Or apply on their own
They can also apply independently for the same case — their own loan, their own terms, closing the same gap. Either way, the bill gets paid and the care happens.
Any urgent need — not just pets
Real gaps VIGA bridges.
Housing
Lin's shifts got cut; rent came due anyway. VIGA bridged $900.
Transportation
María's car broke down before her double shift. VIGA bridged $800.
Health
An ER co-pay landed before payday. VIGA bridged Jake's $650 gap.
Family
Flora needed $1,000 to say goodbye to her brother in time. VIGA was the way.
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.
Straight answers