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Many people take reliable transportation for
granted. But to some, owning a car means the
difference between getting or keeping a job.
Ways to Work is a proven, innovative vehicle loan
program that provides small loans to low-income
parents who cannot get loans elsewhere. The
purpose of the transportation loan is to pay for a
car purchase or repair that could otherwise interfere
with the ability to keep a job or stay in school.
Reliable transportation is essential for
working individuals and families, but the
cost of purchasing or repairing a car can
be a challenge, especially for those with less
than perfect credit histories.
A Ways to Work vehicle loan offers a solution
by providing loans at an affordable interest rate.
The loan can be used to purchase a pre-owned
vehicle or to repair a vehicle you already own. A family of four could earn $50,000 and still qualify.
Here's how the program works:
Complete an application online at
www.pawaystowork.org, or by calling the office that serves your county to receive an application through the mail (see contact us page for details)
A loan coordinator will guide you through
the loan application process by helping you
complete the necessary paperwork.
You must participate in a financial
literacy class where you'll learn about
budgeting, credit and debt management.
Low-interest loans in amounts of up to
$8,000 are available for the purchase of
a pre-owned car, or up to $1,000 to
repair a vehicle you already own.
Monthly loan payments vary from six (6)
to thirty (30) months, depending on how
much you borrow and your ability to
Monthly loan payment history is reported
to the credit bureau. Making payments
on time, every month can raise your
If you are unsure about whether or not you qualify for
this program, please contact the Ways to Work office that serves your county. (see contact us page for details).