Ways to Work


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

Financial Education

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 maintaing 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 a Ways to Work loan, you must meet the following criteria:

  • Resident of Alameda or Contra Costa County
  • Valid CA driver's license
  • 18+ years old with challenged credit
  • Caregiver or parent of dependent child(ren) with proper documentation
  • Ability to repay loan and cover expenses related to car ownership and insurance
  • Employed at least 3 months, working 20+ hours/week OR enrolled in school full or part-time
  • Yearly household income less than Income Limits (see chart below)

Income Limits for
Ways to Work Loan
Household Size Maximum Income
One $47,350
Two $54,100
Three $60,850
Four $67,600
Five $73,050
Six $78,450
Updated 3/2014

Program Enrollment

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 Alicia Velazquez at (510) 412-9290 x217. Submit your intake form in one of the following ways:

  • E-mail: avelazquez@chdcnr.com
  • Fax: (510) 439-4956
  • Mail:
    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

Ways to Work Loans

Auto Purchase Loans

  • $4,000 - $4,500 at 8%
    24-Month Term

  • $4,501 - $6,000 at 8%
    24- or 30-Month Term

  • $6,001 - $8,000 at 8%
    30- or 36-Month Term

Auto Repair Loans

  • $500 - $1,500 at 8%
    12-Month Term

Auto Refinancing

  • Ask us how you can refinance your current car loan (up to $8,000) to reduce your interest rate to 8%.

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