Program guide

Ways to Work Car Loans: Eligibility, Application & Costs

Ways to Work programs offer small, low-interest car loans through local family service agencies. A loan is not a free car, but it is often faster and more reliable than waiting for a donated car — and on-time payments build credit.

Last verified: · By the Free Car Foundation Editorial Team

Working mother with car keys standing next to a teal car in the city
Independent guide: this page explains Ways to Work loans for your information. It is not the Ways to Work loans application, and Free Car Foundation is not affiliated with Ways to Work loans.

Apply for a free car with Free Car Foundation

Waiting on Ways to Work loans? Apply to our program too — there is no limit on how many programs you apply to. Our application is free, takes about 5 minutes and never asks for your Social Security number or bank details.

Who it helpsWorking parents with low income or poor credit who need a car for work.
Service areaSelected communities through local partner agencies
Cost to applyFree — never pay to apply

Who qualifies for Ways to Work loans?

  • Working parent with low to moderate income
  • Unable to get a traditional car loan
  • Live where a local partner agency operates the program

How to apply

  1. Search for "Ways to Work" plus your city, or ask your local family services agency
  2. Complete the agency's application and budgeting session
  3. Use the loan to buy a reliable used car

What does it really cost?

You repay the loan at a low interest rate, plus insurance and registration. Read our guide to the real cost of a donated car so you can budget before you are selected.

How long is the wait?

Usually weeks rather than months. While you wait, look at car repair assistance for a car you already have, or car grants and low-interest loans.

Is Ways to Work loans legit?

Legitimate programs are run by established local agencies and never ask for upfront "approval fees". See our free car scam alerts for the warning signs.

Where Ways to Work loans operates

Nationwide — see our state guides for local options.

Who this program is best for

Low-income families · Single moms

Similar programs to apply to

1-800-Charity Cars (Free Charity Cars)

All 50 states

Working poor families, domestic violence survivors, veterans and military families, people with medical needs, disaster victims and transitional shelter residents.

Vehicles for Change

Maryland, Virginia, Washington D.C. area and Detroit, Michigan

Low-income working families referred by a partner agency, who need a car to keep or get a job.

Good News Garage

Vermont and parts of New England

Low-income working adults who need reliable transportation to get to work, often through state welfare-to-work programs.

Cars 4 Heroes

Nationwide

Veterans, active-duty military members, first responders and their families — and in some cases civilians in need.

Frequently asked questions

Is Ways to Work loans really free?
You repay the loan at a low interest rate, plus insurance and registration.
How do I apply to Ways to Work loans?
Search for "Ways to Work" plus your city, or ask your local family services agency. Complete the agency's application and budgeting session. Use the loan to buy a reliable used car.
Is Ways to Work loans a scam?
Legitimate programs are run by established local agencies and never ask for upfront "approval fees".

Need a car to get to work?

Apply to the Free Car Foundation program today. It is free, takes about 5 minutes and never asks for your SSN or bank details.