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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.

✦ Zero-interest microfinance by VIGA · Launching soon

From estimate to funded — screen by screen.

This is how Bridge Loans will work when we launch. The example case throughout: a $1,400 bill, a family that can put down $400, and a $1,000 Bridge Loan.

Apply at Launch

0% + $0

Interest & fees

$250–$2,500

Bridge Loans

< 5 min

Typical approval

Phase 1

You’ll apply — about five minutes

VIGAStep 1 of 10

The estimate

📎 Upload your written estimate
Estimate — Lakewood Vet Clinic$1,400
🔍 Scanned & verified as authentic
Continue

1Upload the estimate — A real, written estimate from a legitimate business. We verify it.

VIGAStep 2 of 10

Your share

I can pay toward it$400
The gap to bridge$1,000
💪 The more you put in, the stronger your application
Continue

2Offer what you can pay — Your share comes first. It keeps the pool strong.

VIGAStep 3 of 10

Identity check

SSN •••-••-1234soft pull
🛡 Will not affect your credit score
Hard credit pullNever
Verify me

3Soft pull only — Your SSN for identity and a soft credit look. No score impact.

VIGAStep 4 of 10

Link your bank

🏦 Log in safely & securely — read-only access
Paydays detected1st & 15th
Cashflow reviewCalculating…
Connect bank

4Read-only bank access — We read your real cashflow to calculate what we can offer.

Phase 2

The decision — and your signature

VIGAStep 5 of 10

Your bridge offer

You asked$1,000
VIGA offers$1,000
Your co-pay$400
Accept offer
🤝 Add a co-applicant

5The offer — or a way to one — Equal to or less than you asked. Short? Someone can apply or co-apply on the same case. If it truly can’t work, we respectfully decline.

VIGAStep 6 of 10

Read & sign

📄 Your contract — every term, every amount
Payment schedule~$167 × 6 paydays
Interest & fees$0 · $0
✍️ Sign digitally

6Nothing surprises you later — Read the contract, the schedule, the amounts — then e-sign.

Phase 3

Care happens — provider paid direct

VIGAStep 7 of 10

Service performed

✓ Service completed
You pay your portion first$400
Paid toProvider, directly
My share is paid

7You pay your portion first — Your co-pay goes straight to the provider.

VIGAStep 8 of 10

Provider bills VIGA

🧾 Invoice uploaded in vendor portal
Bridge amount$1,000
Verified against estimate✓
Submitted

8The provider invoices us — They bill VIGA for the bridge — never you.

VIGAStep 9 of 10

Funds sent

🏦 ACH to provider — 1–2 business days
Paid in full$1,000
Your loan is nowLive
Bill settled

9VIGA will ACH the provider — Paid in 1–2 business days — and the loan goes live.

Phase 4

You’ll repay — and rise

VIGAStep 10 of 10

Repay on paydays

Auto-ACH on your pay dates~$167
ScheduleAs signed — until paid off
📈 On-time payments reported to credit bureaus
On track 🎉

10Small bites until it's done — Per your employment pay dates, we pull the agreed amount by ACH — and your credit score can grow.

🛡 Who will decide?An algorithm designed by an independent committee — the same fairness and affordability rules for everyone. Too risky? We’ll respectfully decline, so nobody is Loaned into a hole.

Every repaid dollar revolves to the next family. That is the whole model — not charity, not credit. A bridge.

The deal, plainly

What you carry. What you never do.

You carry

  • The principal — $1,000 borrowed is $1,000 repaid
  • Small installments sized to your paydays
  • A hardship pause if life happens — honored plans are reported current, never late

You never carry

  • Interest, fees, penalties, or deferred-interest surprises
  • Wage garnishment — ever
  • Collateral, employer pressure, or a hard credit pull to apply

Five minutes. Zero interest. One bridge.

When we launch: have your estimate ready — then apply. Join the list to be notified.

Apply at LaunchBorrower details