About / Legal
About VIGA and Our Legal Structure
VIGA’s mission is to provide zero-interest, zero-fee emergency loans — always — to working people facing financial hardship.
California — Certificate of Exemption
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 live — see VIGA in California.
Texas
VIGA is registered in Texas as a foreign nonprofit corporation, with Texas franchise and sales tax exemptions. Texas loans are made and serviced from VIGA’s Texas office at 23 Wild Colt Place, The Woodlands, TX 77382. See the Texas pilot.
VIGA
VIGA is a California Nonprofit Public Benefit Corporation (CA Entity No. B20260217489, EIN 42-2401101), recognized by the Internal Revenue Service as a federally tax-exempt 501(c)(3) public charity, and in good standing with the California Secretary of State, the California Franchise Tax Board, and the California Attorney General’s Registry of Charitable Trusts.
Our history.
VIGA was originally incubated as a charitable program of Umanoorg, an established California 501(c)(3) public charity, under the fictitious business name (DBA) “VIGA.” VIGA has since received its own federal 501(c)(3) determination from the IRS and now operates independently, with full continuity of its mission and operations.
For Donors
Donations to support VIGA may be made directly to VIGA, which is federally exempt under IRC §501(c)(3) (EIN 42-2401101), and are tax-deductible to the extent permitted by law.
Tax-deductible today
A contribution to VIGA is fully tax-deductible today under VIGA’s own 501(c)(3) determination.
Receipts & acknowledgment
Donation receipts are issued under VIGA’s name and EIN (42-2401101) for your tax records.
Questions about our structure may be directed to info@viga.org.
This statement is current as of June 12, 2026.