Clients of the Ways to Work program are assisted in practicing sound financial management skills, while building good credit histories. An application is completed and the applicant is interviewed by the Ways to Work program coordinator who verifies eligibility for the program. Eligible applications are presented to one of three Loan Review Committees for approval, approval with contingencies, or denial. Loan Review Committees are made up of seven to ten members each. The members represent participating banks, social service agencies, child care agencies, auto dealers, mechanics, business representatives, and government agency representatives.
Approved loans are closed and serviced by a local bank.
Loans are offered at very low interest rates.