A GeForce RTX 5090 Founders Edition floating above rippling green ridges against a black background.
Now pre-approving · 80-player instances

Own your instance.

At 80 players, a 5090's 32 GB comes to 400 MB per avatar, less the world, Windows and Discord. Below that, someone becomes a gray robot. Don't let it be your friends.
The American Dream

Now with 32 GB of GDDR7

Your parents bought a three-bedroom house for less than this graphics card. Their parents bought a farm for less than its power cable. That is not a reason to give up. That is a reason to amortize.

Fannie VRAM is the nation's first lender dedicated exclusively to graphics card home loans. Once the card is home, so are you. You will not be able to afford to leave.

$9,000 Sticker price
$1,999 MSRP (a historical figure)
30 yrs Standard term
575 W Also financed: your power bill
Why finance?

Why rent compute when you can owe it?

Renting a GPU in the cloud is throwing money away. Buying one outright is impossible. Financing one over thirty years at a fixed rate is the responsible middle ground.

With a Fannie VRAM mortgage you take your card home today, and you keep it for as long as you keep up with the payments. Miss three in a row and a man named Clive comes to your house to "reclaim the collateral". Clive is gentle. Clive has done this before. Clive is patient. Very, very patient.

A GeForce RTX 5090 Founders Edition tilted at an angle above a field of glowing green curves.
Your collateral, photographed hovering, which is the only way it will ever be above water.
Financing options

Twelve ways to say yes

Every plan is fully calculable on the Rates page, with a year-by-year schedule so you can watch exactly when you stop paying interest and start paying for the card. (Year twenty-two. It is always year twenty-two.)

Most popular

30-Year Fixed Frame Rate

7.49% APR, locked for life. So is your frame rate, at 30 fps, by firmware we will not be discussing.

See the rate
New · 80 players

Jumbo Instance

For borrowers who host full instances and want to see every one of them. 20% down and proof of 32 GB.

See the rate
Zero down

Diamond Hands Interest-Only

Pay only the interest for thirty years, then the full $9,000 at the end. By then the card will be worth $9,000 again. GPUs hold their value.

See the balloon
0% APR

Kidney-Backed Security

No interest, ever. Collateral is one (1) kidney, held in escrow somewhere we describe only as "cold".

See the fine print
More ways to owe

A lender for every stage of life

Try before you buy

Tour the show instance

80 players, every avatar shown, every mirror on. Imagine your life here.

Book a tour
Listings

Cards for sale

Pre-owned graphics cards, hand-picked by our agents. Pre-approved buyers only.

Browse listings
Calculator

Rent vs. buy

Cloud rental by the hour, or thirty years of payments? We did the math so you can ignore it.

Settle it
Older cards

Reverse mortgage

Own a GTX 1080 outright? It could be paying you seven cents a month.

Unlock your equity
Investors

VRAM-Backed Securities

Thousands of graphics card mortgages, bundled, sliced and rated AAA. A proven structure.

Choose a tranche
Happy borrowers

Hear it from our borrowers

Year 3 of 30

Derek, 34

"I couldn't afford the card, so I sold my car to make the down payment. Now I live in the box it came in. Honestly it's a nice box. Very premium feeling."

Year 1 of 200

Priya, 27

"I took the 200-year Heirloom plan. My great-great-great-grandchildren will make the final payment in 2226. I've already written them a letter. It says sorry, and also how to reseat the power connector."

Day 41 of 10,950

Marcus, 22

"The Payday Advance has daily payments, which is great, because now I think about my graphics card every single day. Mostly at 3 a.m. Sometimes in the shower."

Escrow

Tom, 45

"Kidney-Backed was a no-brainer. I don't use the left one much. Mostly I just play Minecraft, but now I play it with real time path tracing."

Jumbo Instance, year 2

Kenji, 29

"At 60 players my 3080 started showing everyone as robots. My partner was a gray robot at our own wedding. Financing meant that I could ensure my next VR wedding won't be so embarrassing."

Super Jumbo, year 1

Ash, 24

"I hosted 112 people on Basis. I saw every one of them. My power company sent a letter."

This offer won't last

Lock in your GPU today

Pre-approval takes thirty seconds and requires no credit check, no income, and no previous graphics card purchasing history.