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VIGA™ — Emergency Loans. Zero Interest. Always.

🐾 Now live in Texas: zero-interest pet-emergency Bridge Loans for Texas residents. Learn more & apply →

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 California applications are accepted and no California loans will be made until the exemption is granted.

For Texas veterinary clinics

Say yes to the treatment. VIGA pays you directly.

Zero-interest, zero-fee bridge loans for your clients’ pet emergencies. Free for your clinic. Paid by ACH in 1–2 business days.

Sign up your clinic →See how it works

Already enrolled? Clinic sign in →

VIGA Accepted Here

$0

Clinic fees

0%

Client interest

1–2 days

Paid by ACH

How it works

From estimate to getting paid, in six steps.

  1. 1

    Estimate

    You give the itemized estimate

  2. 2

    Owner applies

    On their phone at viga.org

  3. 3

    You're notified

    Authorization in your portal

  4. 4

    Treat

    Collect the owner's share

  5. 5

    Submit claim

    Final bill + invoice

  6. 6

    Get paid

    ACH in 1–2 business days

What it is

What VIGA Accepted Here is

When a pet emergency comes in and the owner can’t cover the full bill, they can apply to VIGA from their phone, in minutes. If approved, VIGA pays your clinic directly. The pet owner repays VIGA over 90 days to 6 months with zero interest and zero fees, always.

VIGA is a 501(c)(3) nonprofit. Our loans are charitable capital that goes around again: every dollar repaid helps the next family and their pet.

For your clinic

  • Free for your clinic. No fees, no discount rate, no minimums.
  • Paid by ACH 1–2 business days after we accept your claim.
  • No credit risk to you. If the owner doesn’t repay, that’s VIGA’s loss, not yours.
  • You never make loan decisions. The owner applies to VIGA directly.
  • Loans of $250 to $2,500 per borrower, for care at your clinic.

Signing up

Seven screens, about 20 minutes.

The clinic owner starts the sign-up and signs the agreement. You can save and come back at any time. During the pilot, your practice must be in Texas.

The seven steps

  1. 1Create your account
  2. 2Clinic details
  3. 3OwnersOwner only
  4. 4Contacts
  5. 5Bank account for ACHOwner only
  6. 6Form W-9Owner only
  7. 7Review & signOwner only

Have these ready before you start

  • Your EIN
  • Texas veterinary premises registration and DVM license numbers
  • A voided check or bank letter
  • The owner's photo ID
  • Contact details for your accounting, billing and front desk people
  • Owner 2 and 3 details, if any
Sign up your clinic →

Questions

What clinics ask us

Does it cost the clinic anything?
No. There's no enrollment fee, no transaction fee and no discount rate. VIGA pays you the full amount you claim, up to the approved ceiling.
What if the owner stops repaying VIGA?
That's VIGA's risk, not yours. Once you're paid, you're done. VIGA never sues borrowers; we work with them through written notices and 0% payment plans.
How fast do we get paid?
By ACH, 1–2 business days after we accept your claim. Claims with missing invoices or amounts that don't match take longer.
Who can use VIGA right now?
Texas residents aged 18 or older with a US bank account in their own name, for care at an enrolled Texas clinic. The loan is $250 to $2,500.
Can we leave the program?
Yes, with 30 days' written notice. Authorizations already issued are still honored.

Say yes to the treatment. We’ll handle the rest.

Sign-up is free and takes about 20 minutes. Already enrolled? Sign in to your clinic portal.

Sign up your clinicClinic sign in

Questions? info@viga.org

Texas pilot disclosures

Zero-interest, zero-fee bridge loans for pet emergencies, currently available only to Texas 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.

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.
Outside Texas
VIGA loans aren’t available in your state yet. Join the list and we’ll let you know when they are.

VIGA is a California nonprofit public benefit corporation and a 501(c)(3) public charity (EIN 42-2401101), registered in Texas as a foreign nonprofit corporation. VIGA is not a bank. VIGA makes zero-interest, zero-fee bridge loans from charitable capital. © 2026 VIGA. VIGA and VIGA Accepted Here are trademarks of VIGA.