Ways to Work is designed to help individuals move toward financial stability and advance career opportunities. Our loans are based on the character of the applicant and the affordability of the payment.  In addition to loan assistance, program participants receive supportive services including financial literacy training, life skills coaching, and credit education. Ways to Work is more than a car. It is an opportunity for success.

Ways to Work Eligibility

Ways to Work eligibility is determined by several factors, including the applicant’s ability to repay a loan.

Program Qualifications:
  • Live in the City of Lynchburg or the surrounding counties of Amherst, Bedford, Campbell or Appomattox
  • Be currently employed for at least six months, working a minimum of 28 hours a week
  • Be 18 years of age or older
  • Not preparing to file or currently in bankruptcy
  • Have a valid Virginia Driver’s  License

In order to apply for the Ways to Work program, please complete the intake form by clicking on the link below. If you need assistance, please contact our office at (434) 845-5944 x1221 or email.


The Ways to Work loan program helps working individuals with challenging credit histories obtain financing for reliable transportation.

The Ways to Work loan program helps working individuals with challenging credit histories obtain financing for reliable transportation.
For more information, please contact our Midtown Lynchburg office location:
Anna Jones | Site Manager, Lynchburg

Success Stories

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Because of You
Because of you and your support, the doors at Ways to Work were open to Victoria when she had nowhere else to turn and wanted to make changes to better support her family.
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Mike's Story
I came in with no credit score at all… now, my credit score has gone up so high I can take on a mortgage.
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Craig's Story
It was because of this car loan that I was able to leave my job with an area hotel and begin my own business.
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Tamara's Story
I can say without a doubt that the Ways to Work program has changed my life for the better. It has provided me with the experience leading up to me owning my first vehicle.
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Keisha's Story
I would also like to take the time to thank Ways to Work and HumanKind and for giving me this wonderful opportunity in sustaining self-sufficiency.
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Kathy’s Story
Kathy Boyd, a single mother of three, came to the Ways to Work program seeking reliable transportation in order to secure a promotion at work.
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Keon’s Story
Having overcome homelessness with the help of partners and the Ways to Work program, Keon joined the Financial Opportunity Center to further work on building her financial security.
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Shekia’s Story
Shekia Stukes began working with HumanKind’s FOC and Ways to Work programs just a few months ago and she has already made great strides.
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