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). 
• 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 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.