Ways to Work offers financial education and access to affordable vehicle loans for working individuals. In partnership with HumanKind Lending, we work to help you build credit and gain access to reliable transportation. Our loan approvals are based on the character of the applicant, affordability of the payment, and eligibility guidelines (shown below). In addition to loan assistance, program participants receive additional supportive services including life skills, financial resources, and credit education.

Serving the Greater Richmond and Lynchburg areas and surrounding counties. Complete the intake form today to begin your journey.

Complete intake form

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). 
  • Applicants must have lived in one of the areas mentioned above for at least the past 6 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 25 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.
Questions?

Richmond
Phone: (804) 461.3585
EMAIL
Location: 908 N. Thompson Street, Richmond, VA 23230

Lynchburg
Phone: (434) 845.5944
Email 
Location: 1660 Graves Mill Road, Lynchburg, VA 24502

Take the first step and contact us today

Get started now and complete the Ways to Work Intake Form here online.

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.

HumanKind Lending

Our vehicle loan program helps working individuals with challenging credit histories obtain financing for reliable transportation.

Learn More

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




Success Stories

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Second Chances | Tony's Story
Because of you, Tony had the support he needed to make his second chance in life matter. And now he’s using your gift to help others along the way! Thank you for your love of people like Tony – needing a community to walk alongside him to build hope and make lasting change.
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More than Surviving | Donna's Story
She didn’t give up – Donna wants to make life better not just for herself, but lead the way for her children. As the single income provider in her household, she had to keep everyone afloat while staying focused on her journey to financial stability. Even though she ran into hard times, your gifts helped her get through them.
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In Times of Crisis | Sabrina's Story
Sabrina thought the worst part of the coronavirus pandemic happened when the schools closed for the remainder of the school year. She was wrong, weeks later she would also lose her job.
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Finding Grace | Tyrone's Story
Because of you and your support, in the midst of a pandemic Tyrone had the resources he needed to bridge the gap. This grace is only possible because of YOU! Thank you for being a hero for our neighbors in need.
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Building Resilience | Trevor's Story
It could have been a devastating road block, but you stepped in and made sure it was only a detour. Without you, Trevor and his grandmother would be walking through this crisis alone.
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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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Makes a Difference | 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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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.

For more information in the Richmond area, please contact:
Contact now
For more information in the Lynchburg area, please contact:
Jessica Ripley | Site Manager
Contact now