California · Pet emergencies · Live now
Live in California: pet-emergency Bridge Loans.
Zero-interest, zero-fee bridge loans for pet emergencies, currently available only to Texas and California residents for care at participating veterinary clinics. Loans from $250 to $2,500. All loans are subject to approval, and not everyone will qualify. VIGA never charges interest or fees of any kind.
$250–$2,500
Per loan
0% + $0
Interest & fees
Paid direct
ACH to your clinic
Plain answers, up front
What the loan is — and how it protects you.
Checking eligibility
Checking your eligibility uses a soft credit inquiry, which does not affect your credit score. You will also be asked to securely link your bank account so we can understand what you can comfortably repay.
How the money moves
VIGA pays your veterinary clinic directly. VIGA does not send cash to borrowers.
Credit reporting
VIGA may report your payment history to credit bureaus. On-time payments may help your credit; late or missed payments may hurt it.
Participating clinics
Participating clinics are independent businesses. They do not make loan decisions, and VIGA does not provide or control veterinary care. Questions about treatment or its cost go to your clinic.
Donations
Donations to VIGA are separate from lending. Donating, or not donating, never affects any loan decision.
Protect yourself
VIGA communicates only by email and postal mail. VIGA will never call you to ask for a payment, and never asks for gift cards, wire transfers, cryptocurrency or payment apps. If someone does, it isn't VIGA. Report it to info@viga.org.
Repayment
Small installments, your choice of method.
Installments every two weeks, aligned to your paydays, over 90 days to 6 months. Zero interest and zero fees, whichever method you choose.
No payroll deduction. No card. Never a wage assignment, never a garnishment.
A California nonprofit
California loans, from our Torrance home.
VIGA holds a Certificate of Exemption from the California Department of Financial Protection and Innovation as a nonprofit organization facilitating zero-interest consumer loans (Cal. Fin. Code §22066(c)), issued October 27, 2026. California loans are made and serviced from VIGA's headquarters: 24586 Hawthorne Blvd. Suite 104, Torrance, CA 90505.
Outside Texas and California?
VIGA loans aren't available in your state yet. Join the list and we'll let you know when they are.