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Ways to Work

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Our Program

The Need

Imagine your life without a car. Imagine, starting tomorrow, you had to find another way to get to work. How long would it take you if you had to ride a bus, or several buses to get to and from work? What if public transportation wasn't an option? Could your spouse, friend or family member take you and pick you up every day? How would you do your weekly grocery shopping? How would you get your children to and from day care while you worked? Suppose you are at work - after a two-hour bus ride - and the school calls to say you need to come and get your child who is running a temperature. Could you get your child to the doctor without a car? You need a car, but your credit is so distressed that you can't qualify for an affordable auto loan.

The Solution

Ways to Work is the solution for many low to moderate income families who are credit-challenged and have difficulties in obtaining an affordable auto loan. Potential borrowers can access a loan amount up to $6,000 at 8% interest rate.

Through a network of 50 sites in 22 states, Ways to Work provides nearly 5,700 families annually with focused financial education and nearly 1,900 families with low-interest loans totaling $6 million.

Ways to Work, Inc. has had the following successes and accomplishments:

  • 90% cite the car loan as instrumental in helping maintain or improve employment.
  • About 90% of all borrowers reported that their car loan had significant impact on their quality of life.
  • Nearly three out of four program participants reported higher net monthly income.
  • Borrowers averaged a 41% increase in take-home pay.
  • About half of all borrowers attribute their ability to complete education or training programs to their WtW car.
  • Of those borrowers who had been on cash assistance before entering WtW, more than 85% continue to sustain themselves without the aid of public cash assistance.
  • Successful WtW clients show credit score improvement during their participation in the program and continue to increase their scores in the years after exiting the program.