Reliable transportation is essential to working individuals, but the cost of purchasing and maintaining a car is a challenge for those with less than perfect credit histories or no credit history at all. Where other lenders see this as a barrier, we see the chance to help provide reliable transportation.
The Ways to Work (WTW) loan program is designed for those with low- to middle-income, with less than perfect credit histories, seeking an auto loan. The program emphasizes long-term success, helping applicants learn skills such as budgeting, financial literacy, and credit management, ending with an auto loan to purchase a used vehicle. The process includes required virtual, one-on-one Financial Classes, and as a result, takes 90+ days to complete. Our staff focuses on the non-predatory nature of the program, with goals such as ensuring the loan does not cause a financial burden and helping applicants learn the skills necessary to be successful with the loan.
We believe that having poor credit, or no credit at all, should not preclude anyone from bettering their lives and the lives of their families. We understand the challenges that low- to middle-income families face, and work to provide opportunities to those with less than perfect lending histories.
Please see the program offers and requirements below. If you have additional questions, please reach us at intake@cgfund.org. We do all communication through this email address and do not conduct phone calls due to the volume of applicants.
What we offer
- Financing for used vehicles up to $10,000 in value, with an 8% interest rate and 48- month payment term (Vehicles must be purchased through a licensed dealership. Private purchases do not qualify for Ways to Work Loan)
- Financial Classes that teach budgeting, financial literacy, and credit management skills
The Ways to Work Program no longer offers auto repair loans as of December 1st, 2023.
Eligibility Requirements
- Must live within South Western Pennsylvania Counties (Allegheny, Beaver, Butler, Fayette, Greene, Indiana, Lawrence, Washington, and Westmoreland Counties)
- Valid Pennsylvania Drivers’ License
- Employed consecutively for three months or more at a minimum of 20 hours per week at the same job (SSI/Disability is unable to be accepted as sole income)
- Cannot have a current auto loan or be a co-signer on a current car loan
- Cannot have a current personal loan or be a co-signer on a current personal loan
- Must be able to provide proof of ability to afford the monthly loan payments through the required financial classes
There is no income limit for this program to qualify.
The Ways to Work Program is unable to accept 1099 delivery driving positions utilizing personal vehicles (such as Doordash, Instacart, Uber, etc.).
Residents of Allegheny, Armstrong, Beaver, Butler, Indiana, Lawrence, or Westmoreland Counties, please fill out the intake form below to get started.
Residents of Washington, Fayette, or Greene counties, please fill out the intake form below to get started.
