A Community Partnership Program for individuals and families with less than perfect credit

This program is made possible through funding by United Way of Southwestern PA and local foundations.

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The PA Ways to Work Transportation Loan Program is no longer accepting applications at this time. Sorry for any inconvenience.

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 a pre-application online at www.pawaystowork.org.
  • You must participate in a FREE financial wellness class where you'll learn about budgeting, credit and debt management.
  • Low-interest car 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 make payments.
  • To complete your application process, you will meet with a loan officer who will guide you through the process of completing the necessary paperwork and documentation.
  • Monthly loan payment history is reported to the credit bureau. Making payments on time, every month can raise your credit score.
If you are unsure about whether or not you qualify for this program or need additional information, please contact the Ways to Work office at 866-965-5929.


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