Seven screens. One promise: you repay exactly what you borrowed.
This is the VIGA Operating System (VOS), end to end, exactly as a borrower experiences it — shown here through PETWELLSOON, the first VIGA fund, from the moment of need to the final payment.
Emergency Loans · Zero Interest · Always
Your pet needs care. Money shouldn't decide what happens next.
A loan of $250–$2,500, repaid as exactly what you borrow — nothing added, ever.
Between $250 and $2,500. We'll confirm against your vet's written estimate next.
ContinuePETWELLSOON is a fund of VIGA, a California 501(c)(3) public charity. Lending decisions are made by an algorithm designed by an independent committee, on the basis of fairness and creditworthiness.
Tie the loan to the bill.
Upload your vet's original written estimate. The system checks each test, medicine and procedure against typical price ranges — so help moves fast.
PDF, JPG or PNG · the clinic name and itemized amounts must be visible
Any licensed clinic works — participating clinics show a ✔ for faster confirmation.
You verify yourself. Your employer is never contacted.
Connect your own accounts so the system can confirm identity, employment, income and pay dates securely — it takes about two minutes.
Soft credit check only — it never affects your score. Identity screening protects the fund for the next family.
Your application is decided by an algorithm designed by an independent committee, on the basis of fairness and creditworthiness.
Approved
$1,200 — and you repay $1,200.
Sized to fit your verified pay: each payment is set so your budget breathes. Eight equal payments, each landing the day your pay does.
| # | Debits on (your payday) | Amount |
|---|---|---|
| 1 | Fri, Jul 10 2026 | $150.00 |
| 2 | Fri, Jul 24 2026 | $150.00 |
| 3 | Fri, Aug 7 2026 | $150.00 |
| … 5 more equal payments … | ||
| 8 | Fri, Oct 16 2026 | $150.00 |
If the approved amount doesn't cover the full estimate, you'll see options before signing. On-time payments are reported to a consumer reporting agency and can help build your credit.
Everything, before you sign. Nothing after that surprises you.
| Loan amount | $1,200.00 |
| Interest | $0.00 |
| Fees — all kinds | $0.00 |
| Total you repay | $1,200.00 |
| APR | 0.00% |
| Payments | 8 × $150.00 |
| Pay cycle | Biweekly (Fri) |
| First / last debit | Jul 10 · Oct 16 |
Your card is created only after you sign. The full agreement and all federal and California disclosures are presented above this summary in the live application.
Show this at the front desk. Go be with your pet.
The card works at your verified clinic like any debit card. If the final bill is lower than approved, your loan and schedule shrink to match — you only ever repay what was actually charged.
Loan #PWS-2026-04417 · Active
Balance $750.00
Borrowed $1,200.00 · Repaid $450.00 · 0% interest · $0 fees · on schedule ✔
Activity
| Date | Item | Debit | Credit | Balance |
|---|---|---|---|---|
| Jun 26 | Card charge — Harbor Veterinary Clinic | $1,200.00 | — | $1,200.00 |
| Jul 10 | Autopay 1 of 8 (payday) | — | $150.00 | $1,050.00 |
| Jul 24 | Autopay 2 of 8 (payday) | — | $150.00 | $900.00 |
| Aug 7 | Autopay 3 of 8 (payday) | — | $150.00 | $750.00 |
When you finish, your $1,200 returns whole to the PETWELLSOON fund — ready for the next family in a waiting room. On-time payments are reported and can help build your credit.
When you're ready.
The application is free, takes about 10 to 15 minutes, and creates no obligation. Even if you decide not to proceed, you'll know what's possible.
Apply Now →Questions? Write to us · 1-877-ASKVIGA (275-8442)
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