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There is an alternative for responsible, working parents to receive low-interest auto loans.

Ways to Work is a national program of Alliance for Children and Families that allows qualified working parents who are unable to get funds elsewhere, to receive loans up to $6,000 to purchase, repair or refinance a car.

The first program of its kind in Oregon, Ways to Work is operated locally by Metropolitan Family Service.

Loan Eligibility
To be eligible for loan consideration, a potential borrower must: 

• Be employed three months continuously
• Be an involved parent
• Have exhausted other loan sources
• Have a household income less than 80% of the Portland median income (80% for a family of 4 is $54,300)
• Reside in Multnomah, Clackamas, or Washington County

Borrowers agree to repay the loan at an 8% interest rate within two years. The money is then made available to other applicants.

For questions about the program, or to apply, call 503.232.0007, ext. 207

For more information contact our Ways to Work Coordinator at 503.232.0007, ext. 303.


Ways to Work Services

• Provides low-interest loans up to $6,000 to working parents
• Teaches financial literacy skills to loan applicants
• Improves client's credit rating and gross earned income over time
• Decreases time in transit to work
• Decreases dependence on public assistance
• Increases attendance at work

Nationally, participants average a 40% increase in household income.

Ways to Work is sponsored by Alliance for Children & Families with major funding from The McKnight Foundation, US Department of Transportation and TriMet.





Ways to Work
Ways to Work, Inc., a federally-certified Community Development Financial Institution, was established as a sister organization to the Alliance for Children and Families to help interested Alliance member agencies replicate the Ways to Work loan program (formerly known as the “family loan program”).
http://www.waystowork.org

waystowork@metfamily.org 503.232.0007 For questions about the program, or to apply, dial extension 207 Metropolitan Family Service 1808 SE Belmont Street Portland, Oregon 97214    John is a single father of a young daughter. Right after John was laid off from his job, his daughter was diagnosed with Hepatitis C. John was having major difficulty finding a way to get his daughter to her doctor’s appointments and to childcare. Expenses caused John to miss credit card payments. John realized he needed to make changes to get his life back on track. He found a new job and applied for a Ways to Work auto loan so he could purchase a car. By receiving a loan through this program, John was able to advance his career by spending more hours at work and still get his daughter to her appointments. His daughter is now getting treatment and feeling much better. John is now on a better path towards rebuilding his life and able to care for his family.  Ways to Work has helped John and many other low-income households improve their lives.

Hello.  I am a single mother of 2, ages 19 and 13.  I lost my job about 10 months ago and I am about to be evicted.  I have looked all over, been everywhere, filled out more than 150 applications and have spent countless hours on the internet.  Now, my car has recently broken down so I wouldn't be able to get to and from a job if I were to find one.  I signed my oldest daughter and I up for school that is supposed to start on Aug. 23rd, but it's looking like we aren't going to be able to go.  I can't afford to buy the books, uniforms, and other supplies that we will need.  I have no family or friends that might be able to help me.  I can't even get any help from either of my daughters' father's .  One passed away a couple of years ago, (that was very difficult) and the other one doesn't care if his daughter is homeless or not, while he is living in a home that was left to him by his grandmother when she passed away.  He doesn't have to pay rent or anything, but he can only seem to be able to pay $150 a month for child support. He is court ordered to pay $360 a month, but I can't get any help enforcing his support.  He isn't involved in my daughter's life, by his own choice.  I have dedicated my life to being with my daughter's as much as I can and being the best mom that I can be.  My dream would be for my oldest daughter and I to be able to go to school while working part-time/full-time jobs while we are able to live comfortably in our home and not have to worry every day about an eviction notice showing up on our door.  If my car were able to be fixed so I could have transportation to and from work and school, that would be absolutely wonderful.  So, please, can anyone help me?  Rent, car, school supplies, child support..... I'm drowning and I can't see up, much less find it.....

Hello, to who it may concern i am kind in a rush but, i figure i take the time to ask for some help so, i need money fast .So lets start as i am a single proud mother of two.I am 25yrs. And i also am currently woking dont have the best job ever but just enough to hang on .  I need help because i am in a big sittuation I pay my own rent by self ,i am also on my own, and is barely makeing it my son goes to school and I need help for his school stuff and my daughter is 3yrs but I am driving a car that can get me in trouble at any time and I am affraid I might lose my two kids ,I pray to god it never happens.So, i wish i will be one of the people to win the 5000 dlrs. So I can get a boost towards life and hopefully make some changes. I have tickets to pay for traffic warants and also my car is so breaking down on me.I dont want to give up, so please email me and may you have a grat day.

If you are needing a car, you need to sign up for this site.  Write a profile about why you need a car, and then get people to vote for you.  If you aren't needing a car, then visit this link http://www.freecharitycars.org/petskers/ anyway and give me a vote.  I am trying to get a Van to transport my Dad around in.  Click on the link below if you would like to sign up and start getting votes for a car.

Click HERE For Website to sign up

Step 1 - Create Your Profile

Creating your profile is fun, fast and free. Even if you don't need a Free Charity Car you can create a profile to receive gifts, automotive related help, or you can transfer your votes to a deserving friend. This is your opportunity to tell the world your story! Explain why you are the most deserving candidate and why everyone should vote for you. You can make us laugh…or you can make us cry. Either way, don't hold anything back…let it all hang out!

Step 2 - Generate Votes & Create Good Karma

Generating votes is crucial to receiving a Free Charity Car. By generating votes and increasing your karma level, your profile attains a higher page rank, thus moving you up the list to receive gifts, automotive related help, or even a Free Charity Car. The process of generating votes "pays it forward" by spreading the word and increasing the popularity of our website which leads to additional vehicle donations that can be awarded to our neighbors, and maybe…even to you. The more you help others…the more you help yourself. Remember, we're all in this together…we are all one

Step 3 - Apply For A Free Charity Car

After a modest level of votes is attained you will be eligible to receive gifts, automotive related help, or even a Free Charity Car. Keep generating votes as you will want to continue improving your profile's page rank, help others, and be at the forefront to be reviewed and ultimately selected to receive a Free Charity Car when one becomes available in your area.

cLICK ON THE LINK BELOW AND REGISTER FOR A FREE CAR, This is a great car if you are in need of a car or maybe repairs, they will help with certain repairs. Check them out and I hope to see you as a winner soon.

http://www.freecharitycars.org/index.php?option=com_parainvite&Itemid=46&task=namecard&user=7322&bid=1

 I have been trying to get ssi. My husband is out of work.I have 4 children at home And two out of the home. I need help with at least two months of rent.Also my gas has been shut off as of today I am not a begger and I hate to ask for help although I recently enrolled in online college and recieved a fasa grant so that in the future I wont have to ask for help.I have used up my 36 months of cash assistance before I was married and didnt know anything about grants for school or I would have tried then.

I pray to God that there is some kind of help out ther for my family

 Please, If there is any legitamate help out there for me let me know somebody? PLEASE

                                                         Carrie

well i am a 22yr old single mother my son will be 2 soon i am living with my mom currently because i recently walked out on my abusive boyfriend of 7 years ,he tricked me into siging over my car to him and my name was not on the lease of our home, my mom has only given me 1 month to stay with her because she has three little ones of her own, i do work part time but it is not enough, i am so clueles as in how to get my life back i will be homeless with out a car in a few weeks and i just dont know what to do and advice or help i would be so gratefull!!!

       I am Single mom of three just trying to make ends meet. I just need some money to get my head above the water. We lost everything we had in a flood and then my job in o6. The company I was working for shut down. Nothing has seem to fall in place since. My car is broken, I am behind on all my bills. My credit is horrible fom a divorce and I dont know what to do. I an enrolled to go back college in the fall so i have a long term plan but I need help for now what do??? PLEASE HELP     

I AM A DISABLED MOTHER OF 2 CHILDREN.  I ONLY RECIEVE $643.00 PER MONTH AND, AS YOU KNOW, IT TAKES ALOT MORE WITH CHILDREN.  I HAVE SO MANY THING THAT I NEED HELP WITH IT IS HARD TO LIST ONE.  MY CAR IS ALWAYS QUITTING ON ME AND I CANNOT GET MYSELF, OR MY CHILDREN TO DRS. APPOINTMENTS.  THAT IS THE MAJOR PROBLEM, AS WELL AS COUNTLESS OTHERS.  IF ANYONE IS WILLING TO HELP OUR LITTLE FAMILY THROUGH THIS BAD PATCH IN LIFE, I WOULD BE ETERNALLY GRATEFUL

 TAMMY

i need help know there is 3 of us a 14year boy husband who dosen't have a job and me i done have a job but we lost our only car there is no bus line cabs would take my whole check  anoka says they can't help with food or money because in make .75 to much hour  so iam scrad that we will be homeless by christmas no houe no job because i have no way to work no christmas gifts no life at all