Every loan comparison site asks the same question: which bank has the lowest rate?

That question has almost nothing to do with whether the loan will ruin you.

A 6.2% loan you can barely service is worse than a 6.8% one that leaves you room to breathe. A rate that resets after twelve promotional months is not a 6.2% loan at all. And none of the twenty banks whose products you are comparing has any interest in telling you that.

So we built Vaya around the question people are actually asking, which is: if I take this, can I still live?

What it does