Programs & Organizations · Updated November 2026 · By the Free Car Help team
Key takeaways
- Ways to Work makes small, fair car loans to working parents.
- Loans come with financial coaching and help build credit.
- Offices are run locally, so rates and limits vary.
What Ways to Work offers
- Short-term, low-interest loans to buy a reliable used car (historically about $6,000–$8,000).
- Smaller loans for car repairs in some areas.
- Budgeting, credit and car ownership coaching.
Where it operates
Local Ways to Work offices have operated in North Carolina, Pennsylvania, Wisconsin, Virginia, Florida, Michigan, Nebraska, the DC area and more. Offices are run by local agencies, so terms differ.
Who qualifies
Usually working parents with low to moderate income who cannot get a conventional loan. Contact the local office for current rates and limits, or compare other nonprofit car loans.
Why a Ways to Work loan can be better than a dealer loan
Buy-here-pay-here lots often charge very high interest and add fees. A Ways to Work loan is designed to be affordable and to report on-time payments to credit bureaus, helping families qualify for better credit later.
How to apply for Ways to Work
- Find a local office through your state page or a quick search for “Ways to Work” plus your county.
- Bring proof of income, employment, ID and your driver’s license.
- Expect a budget review and a short financial education session.
- Choose a reliable vehicle within the loan limit, and get it inspected.
No office nearby? Compare other nonprofit car loans and how to buy a car with no credit.
Frequently asked questions
Is there a Ways to Work car program near me?
Check the states listed above and our state pages. If there is no office near you, look at credit unions and other nonprofit lenders.
Can I use a Ways to Work loan for car repairs?
Some local offices offer repair loans. Ask your local office.
