The Ways to Work program provides low-interest car loans and financial education to working families in need of reliable transportation. Ways to Work is an economic empowerment program that combines low-interest loans with financial education, budget consulting and personalized management.
Ways to Work Program Brochures
In a classroom setting, car loan applicants in Ways to Work 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.
To qualify for a Ways to Work loan, you must meet the following criteria:
- Valid CA Driver’s Licence
- 18+ Years Old with Challenged Credit
- Ability to Repay Loan and Cover Expenses Related to Car Ownership and Insurance
- Employed at Least 6 Months, Working 40+ Hours/Week
- Income up to 400% poverty level
- Not currently in or filing for bankruptcy
- *Resident of disadvantaged neighborhoods in Alameda, Contra Costa, Santa Clara, Santa Cruz, Solano, or San Francisco Counties*
*Contact CHDC for more details and targeted zip codes.
For eligibility questions, contact: Manuela Zacarias (P) 510-221-2523; (E) MZacarias@chdcnr.com
Download, print and complete the intake form below, and plan to attend the next Ways to Work Orientation Session. For questions or for assistance in Spanish, please call Manuela Zacarias (P) 510-221-2523. Submit your intake form in one of the following ways:
- E-mail: MZacarias@chdcnr.com
- Fax: (510) 439-4956
Attn: Ways to Work
Community Housing Development Corporation
1535-A Fred Jackson Way
Richmond, CA 94801
- In-person: Bring completed intake form with you to the orientation
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.