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VIGA™ — Emergency Loans. Zero Interest. Always.

🐾 Now live in Texas: zero-interest pet-emergency Bridge Loans for Texas residents. Learn more & apply →

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 California applications are accepted and no California loans will be made until the exemption is granted.

Texas · Pet emergencies · Live now

Live in Texas: pet-emergency Bridge Loans.

Zero-interest, zero-fee bridge loans for pet emergencies, currently available only to Texas residents for care at participating veterinary clinics. Loans from $250 to $2,500. All loans are subject to approval, and not everyone will qualify. VIGA never charges interest or fees of any kind.

Apply nowSee how it works

$250–$2,500

Per loan

0% + $0

Interest & fees

Paid direct

ACH to your clinic

Plain answers, up front

What the pilot is — and how it protects you.

Checking eligibility

Checking your eligibility uses a soft credit inquiry, which does not affect your credit score. You will also be asked to securely link your bank account so we can understand what you can comfortably repay.

How the money moves

VIGA pays your veterinary clinic directly. VIGA does not send cash to borrowers.

Credit reporting

VIGA may report your payment history to credit bureaus. On-time payments may help your credit; late or missed payments may hurt it.

Participating clinics

Participating clinics are independent businesses. They do not make loan decisions, and VIGA does not provide or control veterinary care. Questions about treatment or its cost go to your clinic.

Donations

Donations to VIGA are separate from lending. Donating, or not donating, never affects any loan decision.

Protect yourself

VIGA communicates only by email and postal mail. VIGA will never call you to ask for a payment, and never asks for gift cards, wire transfers, cryptocurrency or payment apps. If someone does, it isn't VIGA. Report it to info@viga.org.

Repayment

Small installments, your choice of method.

Installments every two weeks, aligned to your paydays, over 90 days to 6 months. Zero interest and zero fees, whichever method you choose.

ACH autopay — optional. Payments draft automatically from your linked bank account on your pay dates. Declining autopay never changes your offer.
Pay-now link — self-pay each installment from your linked bank account.
Check or money order by mail — payable to VIGA, 23 Wild Colt Place, The Woodlands, TX 77382.

No payroll deduction. No card. Never a wage assignment, never a garnishment.

Made in Texas

Texas loans, from a Texas office.

All Texas loans are made and serviced from VIGA's Texas office: 23 Wild Colt Place, The Woodlands, TX 77382. VIGA is registered in Texas as a foreign nonprofit corporation.

Questions, cancellations and disputes: info@viga.org or by mail to the Texas office. VIGA communicates only by email and postal mail.

Outside Texas?

VIGA loans aren’t available in your state yet. Join the list and we’ll let you know when they are.

Join the list🐾 About Pet Emergencies