The Ways to Work Family Loan Program is a proven, innovative program that provides small, short-term, low-interest loans to assist low-income parents with challenging credit histories to cope with transportation barriers which may interfere with their ability to maintain self-sufficiency. The purpose of the loan is to assist low-income families through affordable car ownership as a solution to employment stability.

Clients find that having reliable transportation brings about a significant improvement in their family’s quality of life. Loans are up to $4,000 over a 2 year period with a fixed interest rate of 4%, affording a modest payment to families who are transitioning from welfare to work. The program also pays for the first six months of car insurance for up to $500 for each loan.

Through its goal of financial empowerment as a means of family building, the Family Loan program compliments the overall mission and strategic vision of Family Service. The Family Loan Program is the only one of its kind in California and serves a model for urban microfinance, enabling low income families, who would not qualify elsewhere, to obtain financing to facilitate entrance into mainstream financial markets.

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