If you would like to test the Vinci Lending Protocol, you'll be happy to know that you can do this over the testnet client.
You can find the Vinci testnet client available at https://app.vinci.io/. Make sure to switch your wallet provider to Rinkeby network to use the protocol testnet without any costs.
You can find specific guidelines on how to do every step in the User Guide.
How do I select a supported testnet?
Some wallet providers allow you to switch to a test network such as Kovan. Make sure your wallet provider allows you to do this prior to testing. Some wallet providers that allow you to select the network are:
Metamask extension or mobile app at https://metamask.io/download.html - You can find the network selection on top of the Metamask menu over the extension, notice that you may need to go to the Settings -> Advanced and activate the "Show test networks" Option.