A low-angle shot along the length of an RTX 5090 Founders Edition, its fins catching the light.
About us

Too big to frame.

Founded the day the RTX 5090 launched and sold out in four minutes. We have been lending ever since, mostly to ourselves.
Our story

A lender for the people who can't afford to game

Fannie VRAM began in a gaming chair in 2025, when our founder refreshed a product page four hundred times, saw the word "unavailable" four hundred times, and asked the question that would define a generation: what if a graphics card cost the same as a house, and we just leaned into it?

Then the 5090 Super was cancelled, the regular 5090 hit $9,000, and what had been a joke became a business model.

0 Loans issued
0 Cards in stock
100% Approval rate
AAA Credit rating (self-assessed)
Leadership

The team behind your debt

Chief Executive Officer

A leather jacket on a chair

Leads by example. Has not spoken in a board meeting since 2023. Nobody has dared to move it.

Chief Risk Officer

A Magic 8-Ball

Has approved every application to date with "It is decidedly so". Is up for a bonus.

Head of Collections

Clive

Gentle. Patient. Takes the backplate screws. Nobody knows what he does with them.

Chief Economist

An RGB fan

Forecasts the market by color. It has been red since 2020.

Our portfolio

The collateral, in its natural habitat

Every Fannie VRAM loan is secured against the card itself. Here is our entire asset base, photographed as it is always photographed: floating in a black void, lit by nothing, belonging to nobody.