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

This program is made possible through funding by Ways to Work, Inc., United Way of Allegheny County and local foundations.

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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 make payments.
  • 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, please contact the Ways to Work office that serves your county. (see contact us page for details).


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