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 Roanoke areas, as well as Lynchburg and the surrounding counties. Complete the intake form today to begin your journey.


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.

Phone: (804) 461-3585
Location: 908 N. Thompson Street, Richmond, VA 23230

Phone: (434) 845-5944
Location: 1903 HumanKind Way, Lynchburg, VA 24503

Phone: (540) 206-2748
Location: 2607 Salem Turnpike NW, Roanoke, VA 24017 (inside the Envision Center)

Take the first step and contact us today

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


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.

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

Success Stories

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Chance to Rebuild | David's Story
Because of you, David had the support he needed to overcome his obstacles and make his second chance in life count, and life is now beyond what he ever imagined. “I learned so much in the Ways to Work program – it’s all led me to where I am today and helped me purchase a home”.
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Persistence puts Dreams within Reach | Keyonna's Story
Because of you, she had someone to walk this journey with her. Helping her to stick to a savings plan, pay off her debt, and build a brighter financial future for her family. Homeownership is within sight – and she has a plan that will get her there. “I don’t feel accomplished every day, but when I have things that I paid off, that’s when I’m like, ‘I was putting in that work.’"
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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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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:
Angela Hart | Captial Region Program Manager
Contact now
For more information in the Lynchburg area, please contact:
Jerry Padgett | Ways to Work Program Manager, Lynchburg
Contact now