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.
In the Driver's Seat:
How Ways to Work Helps Move Working Parents Toward a Brighter Future
The Story of Nancy
I was a single mother and college graduate living at home working in the banking industry. I could only get to my job on public transportation or I had to ask others for a ride. This made me feel like I was an inconvenience to others. Even going grocery shopping was becoming an event. I was talking to a family member and was told about the Ways to Work program. I was hesitant at first because my credit was bad but I had to find a way to get a car so I could keep my job. I never owned a car before and the loan could change my life.
I contacted the program and applied. I attended Financial Literacy class gained a better understanding of my income and expenses, how to obtain and maintain credit, and other helpful tips. I met with a loan officer who went over my budget and finances with me and explained the loan process. My loan request was approved and I purchased my car.
Having my car had allowed me to become more self-sufficient and stop relying on the bus and others. I no longer had to stress about how I was going to get to work or the possibility of being late. During this time I was able to move out of my mother's home and get my own place for my child and me. I paid on my loan on time every month and paid it off in a year and a half. I was able to raise my credit score by 168 points. Due to my increased credit score I was approved for financing on my own and was able to purchase a 2012 Kia Optima, which I am still driving and paying on-time every month. I plan on going back to school for greater opportunities. I really appreciate the program, it has helped me out tremendously.
I have told others about the Ways to Work program.
The Story of Regina
Several years ago Regina and her husband separated and she became a single mother. She had to file for bankruptcy because she was not working and could not continue her financial obligations. She got into a job search training program where she worked on improving her interviewing skills because she had been out of work for some time. She quickly found a job after the training program.
Regina had a car that her father had given to her after her husband left, but it was beyond repairable. She needed a car for work, but wanted a vehicle that would not place a heavy financial burden on her family. A co-worker told Regina about the Ways to Work Program and she applied. She was worried her bankruptcy might impact the decision. She was very excited to receive approval for a loan.
For Regina, having a dependable car has been a factor in getting to work on time and receiving a promotion to an administrative assistant. The loan has given her the opportunity to begin re-establishing credit, which will open up even more new opportunities. For Regina, having a job and her own car has helped her be an example to her children that with hard work anything is possible. She says, "I just want to be the best mother I can to my children, give them all I can, take them as many places I can, and show them by example what it means to be a responsible adult and a loving parent."