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Ways to Work auto loans.

There is a program that helps both low and moderate income individuals solve their transportation issues by providing them with low interest rate auto loans. Ways to Work is a non-profit organization that can help solve employment or job training transportation needs. The agency provides small dollar amount, low interest rate, short-term loans to working families that need a car or that need a repair done, and find how to apply below.

Individuals of all backgrounds and circumstances can apply. The program may even be able to assist those applicants that have either no or poor credit histories, or someone with a job that is looking to reenter the workforce. Funds from Way to Work can also be used to pay for a number of transportation expenses, including car insurance, the purchase of a new or used automobile, or repairs.

The typical loan amount provided is around $4,000, but the exact amounts will vary. It provides an alternative to families so that they do not need to use so called predatory lenders, payday companies, or other high interest rate options. The Ways to Work program and organization is funded by the federal and state governments, as well as private foundations.

What are the loans used for?

The goal of Ways to Work and the loans issued by the non-profit are to help people either remain in or advance and move forward in their job. So the program is in effect focused on helping people become self sufficient over the long term by ensuring they have what they need to be successful in their jobs as well as careers. What this means is that if you need a car to get to your job, bring your child to day care, attend school, or to get to job training program, then you will meet one of the main conditions.

It is not a charity or grant program. While the loans can be issued for various reasons, the majority of loans are made for the purchase of modestly priced used vehicles or car repairs. The money also needs to be repaid, as the funds are cycled back into the program to help others that also need assistance. Over 90% of all Ways to Work loans processed are made for the purchase of used cars.

Individuals who receive and benefit from these loans will almost always have some type of future improvement or stabilization in their employment situation. Another benefit of the program is that clients also show a marked improvement in their financial literacy. This is often the case as they will slowly obtain a higher credit rating and scores, and they will have a heightened their sense of self-esteem.




In addition, and most importantly, for those who apply for an automobile loan and are successful with the program, the new car and transportation provided to them has always brought a significant improvement in their family’s quality of life. It often leads to a higher income, an improved credit rating and a better overall financial situation. The organization has benefited everyone from the unemployed to individuals that may lose their job as their car is in repair or broke down on them.

How many people have been helped by Ways to Work?

Tens of thousands of families from across the country have been assisted since the Ways to Work program started. Many have been able to afford that car or truck they need for their job. Tens of millions of dollars in low interest loans have been provided to low income families as well as people with low or poor credit histories.

If you meet the criteria and are provided with a loan, you will also receive additional assistance. Clients will also be provided with financial literacy training, budgeting skills, credit repair strategies and techniques, debt counseling, referrals to other resources, and more.

What other options do I have?

For the millions of Americans with poor or no credit ratings or scores, the pursuit of a used or new car will often lead to them down a path of hardship. Too many otherwise hard-working individuals are having to make a choice between financial disaster and remaining afoot. They usually have limited options, and turn to predatory lenders (i.e. those “buy here, pay here” car lots). Or they turn to expensive bank loans.

These lenders are almost always all to happy to put people into one of their poor quality, high interest rate loans. Or the company may push them into high priced used or new vehicles, financing included. These car dealers usually “prey” on the buyers, as they know that they are desperate for a new or used automobile. Sometimes the interest rate these lenders or car dealers charge can be 20-40%. Those predatory lenders are therefore not good options. But consumers have many options. Some alternatives to Ways to Work loans include:





Low interest rate automobile loans - Many credit unions offer smaller dollar loans at a low interest rate, even if your credit is poor or non-existent. These non-profits are very beneficial for government employees. These low interest loans can either supplement or replace the Ways to Work financing options and can be used to help purchase a car. Locate information on low income loans for no credit borrowers.

Refinance car loan - Major lenders such as Bank of America and Wells Fargo can help consumers refinance existing auto loans. This is for borrowers that are already facing a hardship with existing car payments. The process can possibly save hundreds of dollars over the life of the loan. Individuals that are working part-time already may be eligible as well as others with a source of income. Find more details on refinancing car loans.

Charities, churches, and non-profits - The Ways to Work organization is not the only non-profit that can help the less fortunate meet their transportation needs. Several other agencies operate either nationally or in one or more states. Some may provide used cars, volunteer driver programs, or short term loan products. There may be financing for everyone from the disabled to unemployed or elderly as well. Other places to call include charities such as Opportunity Cars, St. Vincent De Paul, and many others. Read more charities and organizations.

How much can I receive from Ways to Work auto loans?

While the exact amount provided will vary based upon your needs and a review of your application as well as overall financial situation, the most common amount is $4,000. The interest rate will also vary, but the rates have been as low as 4%. Some of the local organizations that Ways to Work will partner with may even provide additional funding to help the low income family pay for their car insurance. Most of the loans will be offered for up to 36 months.

Ways to Work auto loans contact information

To learn more or to apply for funds, you can contact Ways to Work at (866) 252-7171. Unfortunately the program is not available in all parts of the country. If it is offered in your state or area, then they will put you in contact with who to call for a low interest auto loan in your region. If the non-profit does not operate in a certain area, referrals may be given out.

By Jon McNamara

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