Ways to Work

Eligibility Guidelines

• Be 18 years of age or older
• Have a valid Virginia Driver’s License
• Be able to afford a monthly car payment with insurance.
• Live or Work in our service area:
  • Greater Lynchburg Area – Lynchburg City and the following counties: Campbell, Amherst, Appomattox, and Bedford.
  • Greater Richmond Area – Richmond City and the following counties: Chesterfield, Goochland, Hanover, Henrico, and Charles City, and Tri-cities (Petersburg, Colonial Heights, Hopewell, and portions of adjoining counties of Chesterfield and Dinwiddie). 
  • Greater Roanoke Area – Roanoke City, Roanoke County (including Salem, Vinton, Cave Springs, and Garden City), and Botetourt County
• Applicants must have lived at their current residence in one of the areas mentioned above for at least the past six months prior to loan application, OR, have worked in the service area for one year or more.
• Be currently employed with a work history of at least 6 months of continuous employment at their current job working a minimum of 30 hours per week that is verifiable prior to loan application (hours may be totaled if the applicant has 2 employers).

  • Applicants that have been on their current job for 60 days may qualify if their gap in employment history did not exceed 1 week.

• May not have been a WTW or HumanKind Lending program participant that has defaulted on a loan. However, if a previous client repays the defaulted loan in full and five years have lapsed since the original default, the previous client is eligible to apply again.