Ways to Work offers fair-interest vehicle loans for individuals with poor or no credit.  Our loans are based on the character of the applicant and the affordability of the payment. This program is designed to help individuals move toward greater financial stability and advance career opportunities. In addition to loan assistance, program participants receive additional supportive services including financial literacy training, life skills, and credit education.

Eligibility Guidelines

  • Live in the Greater Richmond Area, Petersburg, the Tri-cities region, or the counties of Chesterfield, Goochland, Hanover, and Henrico
  • Be currently employed for at least six months, working a minimum of 25 hours per week
  • Be 18 years of age or older
  • Not preparing to file or currently in bankruptcy
  • Have a valid Virginia Driver’s License

Complete intake form

Workshops

We provide free group workshops to our community on topics including:

  • Financial Literacy
  • Budgeting
  • Smart Shopping for Vehicle Purchases
  • Vehicle Maintenance and Upkeep
  • Car Insurance- Am I Covered?

Free Classes and Events

The benefits of using the program aren’t just limited to getting an affordable loan for reliable transportation, we also work to increase financial knowledge. This includes financial education course which teaches financial concepts in real world terms. We also help each participant develop a budget and set in place a spending plan.

Please call (804) 888-8229 to register.

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

For more information, please contact our Richmond office location:
Jonathan Gedeon | Site Manager, Richmond
CONTACT

Success Stories

View All Stories
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.
Learn More
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.
Learn More
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.
Learn More
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.
Learn More
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.
Learn More
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.
Learn More
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.
Learn More

Get Involved

Invite us to host an information session or workshop, Donate a vehicle or make a contribution, or Volunteer to serve on our loan committee.