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VIGA™ — Emergency Loans. Zero Interest. Always.

✦ ZIM Finance by VIGA · Zero Interest Micro Finance

From estimate to funded — screen by screen.

The example case throughout: a $1,400 bill, a family that can put down $400, and a $1,000 Bridge Loan.

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0% + $0

Interest & fees

$250–$2,500

Bridge Loans

< 5 min

Typical approval

Phase 1

You 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

9We ACH the provider — Paid in 1–2 business days. Your loan becomes live.

Phase 4

You 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 decides? An algorithm designed by an independent committee — the same fairness and affordability rules for everyone. Too risky? We respectfully decline, so nobody is lent 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.

Have your estimate ready — then apply.

Apply NowBorrower details