Vehicle Loans

Ways to Work is a program offered through HumanKind that helps people access reliable transportation and build credit through fair-interest car loans. In addition to vehicle financing, participants receive supportive services like life skills training, financial resources, and credit education.

To qualify for the program, you must:

• Be 18 years or older.

• Have a valid Virginia driver’s license.

• Be able to afford a monthly car payment with full coverage insurance.

• Live or work in the program’s service area

• Have a work history: at least 6 months of continuous employment at 30+ hours per week (or combined hours from multiple employers), or at least 60 days on the current job with no employment gap exceeding one week.

Ways to Work serves individuals who live or work in selected regions of Virginia:

• Greater Richmond area

• Greater Lynchburg area

• Greater Roanoke area

• Greater Warrenton area

The program provides fair-interest vehicle loans through a partnership with HumanKind Lending. These loans help participants purchase reliable transportation even if they have a challenging credit history — supporting job stability and building credit.

No. Workshops and educational classes provided through Ways to Work are free. The vehicle loans themselves require payments, but the supportive services, such as financial workshops, are at no cost.

Participants can access:

• Financial literacy workshops

• Budgeting and spending plan assistance

• Classes on smart vehicle shopping

• Vehicle maintenance basics

• Car insurance education

• Ongoing financial education and coaching

These classes help build financial knowledge and stability beyond the loan itself.

To begin, you need to complete the Ways to Work intake form available on the HumanKind website. This starts your enrollment process.