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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.

🐾 VIGA · Pet Emergencies — our flagship fund, launching soon

When your pet’s life depends on a number, we change the number.

Zero-interest, zero-fee Bridge Loans of $250–$2,500 for veterinary care — paid directly to your clinic, so the only decision left in the room is a medical one.

0% · $0

Interest · Fees

ACH 1–2 days

Clinic paid directly

< 5 min

Typical approval

▶ Watch how VIGA works — not charity, not credit, a bridge.

Why pets first

Born in a waiting room.

Our founder lost his dog Yaroo in an emergency clinic — watching other families do math no one should do while their animal waits. Emergency care runs $3,000–$10,000, and the cards at the desk charge up to 30%. Pet Emergencies exists so no pet dies of a bill.

For pet owners

Estimate to treatment, in one sitting.

1

Upload the vet's estimate

The loan is anchored to it — the money can only buy care.

2

Cover what you can — VIGA bridges the gap

Soft pull, secure read-only bank link, approval typically under 5 minutes.

3

Clinic paid direct — you repay on paydays

ACH in 1–2 business days. Small installments, reported to credit bureaus. Your dollars return to fund the next pet.

♾ The VIGA Living Fund

A name that holds — a fund that never stops giving.

Open a fund in the name of a family, or an animal you loved — a Yaroo Fund, a Zojja Fund. Your gift is never spent, only Loaned: out, back, out again — rescuing pets in your name, year after year.

No pet should die of a bill.
No owner should carry that grief.