Transportation Department

Transportation Department

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The CHDC’s Transportation program provides low-interest car loans and financial education to working families in need of reliable transportation. CHDC’s Transportation program is an economic empowerment program that combines low-interest loans with financial education, budget consulting and personalized management.

Ways to Work Program Brochures

Financial Education

CHDC’s Transportation loan applicants  learn about checking accounts, savings accounts, credit and credit scores.

One-on-one, the Loan Coordinator will help each applicant develop a picture of current spending habits and create a realistic budget to help them achieve financial goals.

Applicants also review their credit reports and, together with the Loan Coordinator, develop strategies for improving and maintaining their credit scores.

Resources and Support

Throughout the term of the loan, the Loan Coordinator regularly contacts borrowers to offer assistance with their monthly budgeting, connections to other community resources, and encouragement.

Eligibility Requirements

To qualify for CHDC’s Transportation Program, you must meet the following criteria:

  • Valid CA Driver’s License
  • Must be 18 years or older
  • Ability to Repay Loan and Cover Expenses Related to Car Ownership and Insurance
  • Verifiable Income
  • Income up to 400% poverty level
  •  Not currently in or filing for bankruptcy
  • *Resident of neighborhoods in Alameda, Contra Costa, Santa Clara, Santa Cruz, Solano, or San Francisco Counties*


For eligibility questions, contact: Manuela Zacarias (P) 510-221-2523; (E)

Program Enrollment

Download, print and complete the intake form below and fax to the number indicated. For questions for assistance in Spanish, please call Manuela Zacarias at (510) 221-2523. You may also submit your intake form in one of the following ways:

  • E-mail:
  • Fax: (510) 439-4956
  • Mail:
    Attn: CHDC’s Transportation Program
    Community Housing Development Corporation
    1535-A Fred Jackson Way
    Richmond, CA 94801


Ways to Work Intake Form

Testimonial : Fran's Story

My bank has turned me down for an auto loan and a credit card. The second reason is that this past year I have mastered a big financial struggle to keep my car working.

In January of 2014 1 lost $2000.00, I had saved from a second job I had taken in the previous September, to a car mechanic who kept my car for 4 weeks, never put in the transmission I had made the down payment on, further damaged my car, took off $361.00 dollars’ worth splash guards that he never replaced and eventually, I had to have the car towed to another mechanic who put the transmission in 3 days, took pictures of the damage and spoke to the State Bureau of Auto Repair representative. By returning to the first shop 2 or 3 times every week, by April I had managed to get back only $900.00. I work in Pittsburg and live in Rodeo, there is no public transportation between them and no car means no job. I borrowed a friend’s credit to pay for this repair and paid it back in about 4 months.

I took a third daily job in March to pay for my car repair and I have paid about $6,000 in total for this repair. I have had the car serviced once and the struts replaced since then costing another $1700.00. The paint is peeling off the car and the catalytic converter needs to be replaced.

In August 2014, I was invited to apply for a full time position at my main job. To qualify, I needed to apply for a full-time credential from the state. I was accepted to a UC Berkeley Extension credential program and granted a preliminary full time credential. This program will cost about $3200.00 dollars and I have already completed 2 of the 6 courses required by 2018.

My permanent full-time job is secure because of my job performance, including professional development courses and the success of my adult students. I am in a union, now have health insurance and am earning about $3,000 a month take home. I have been renting at my current residence since 2011.

Thank for your time and consideration and the gift of this letter- I had no idea how much I had accomplished this year until I sat down to write this letter to you.

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Community Housing Development Corporation 1535-A Fred Jackson Way, Richmond CA 94801-1525 PH: (510) 412-9290 PH: (707) 652-7861 FX: (510) 215-9276

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