Skip to content
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.

🌉 Fund the bridge · Two ways

Lend vs Donate.

Both put your capital to work holding up families. One is a gift that revolves forever. The other comes back to you in three years — after helping people every single day it was away.

💛 Donate

A gift that never stops giving

  • Any amount — $25 to $25 million, every dollar joins the lending pool
  • Tax-deductible now — full deduction in the year you give (stocks and real estate too)
  • Revolves forever — Loaned, repaid, and Loaned again, family after family, for as long as VIGA exists
  • Name it — larger gifts can open a named Living Fund with its own dashboard

🏦 Lend

Zero interest · 3 years · then paid back to you

  • $25,000 minimum to $250,000 max - ideal size $100,000 — Loaned to VIGA at 0% for a 3-year term under a simple loan agreement
  • Impact reporting — regular reporting shows the families the pool is helping
  • Paid back to you — your full principal is returned at the end of the 3-year term
  • Shared risk, honestly — you agree to absorb a share of any loan losses; that loss may be taken as a deduction, and you can convert any part to a donation anytime
A loan is not tax-deductible when made — only a gift is. But a lender who converts to a donation, or absorbs a documented loan loss, may deduct that amount. Your CPA confirms what fits your situation.

How lending works

Four steps. Three years. Every dollar accounted for.

1

Call us

A conversation, then a short loan agreement: your amount ($25,000 minimum to $250,000 max - ideal size $100,000), 0% interest, 3-year term, and the loss-sharing terms — all in plain English.

2

Fund by wire

Your capital joins the lending pool and starts bridging emergencies — typically within days.

3

Follow the impact reporting

Regular reporting on the pool’s work: families helped, repayments coming in, dollars recycled.

4

Maturity — you are paid back

At three years your principal is paid back to you, less any agreed share of loan losses — which may be deductible. Or roll it for another term, or convert to a gift. Your call.

Impact reporting

214

Families funded

31

Live loans

178

Fully repaid

$286K

Dollars recycled

96%

Repayment rate

Illustrative example — impact reporting begins with the first lending cycle. Honest numbers always, including any loans in hardship.

Your savings can hold up a hundred families — and still be paid back to you.

This is how the global zero-interest movement grew: ordinary people lending the pool their capital, interest-free. Dignity performs — 99%+ repayment worldwide.

Loans to VIGA are governed by individual loan agreements, are not deposits, are not insured, and are not tax-deductible when made; loss deductions and donation conversions should be confirmed with your tax advisor.