Over 1.8 million nonprofits and charities for donors, volunteers and funders

Claim This Nonprofit

More Info

Add to Favorites

Share this Nonprofit

Donate

Nonprofit Overview

Causes: Financial Counseling, Financial Institutions, Human Services, Transportation Assistance

Mission: The mission of Ways to Work, Inc. is to strengthen the capacity of member organizations of the Alliance to serve their communities by promoting strategies to improve the financial condition of distressed families. Our vision is a healthy society and strong communities for all children and families. Our values: • We understand that people need financial help at various times in their lives. • We assume the best about loan applicants and support them in living up to their highest aspirations. • We believe people want to better themselves, improve the lives of their children, and contribute to society. • We believe that small amounts of money at the right moment can make a great amount of difference in moving working poor families along the path to self-sufficiency and away from welfare and dependency. • We welcome and support applicants who exhibit a potential for success in work or school even though they may have had limited success with past credit experience. • We believe that the climate of mutual support and responsibility within informal local communities can provide built-in incentives for borrowers to repay loans.

Results: For 2013, Ways to Work, Inc. (WtW) will fund 1,400 new loans representing a loan volume of $7.8 million. In 2012, WtW funded a total of 1,305 new loans representing a total loan volume of $6.5 million. In 2011, these numbers were 1,200 and $5.8 million respectively.

Target demographics: Low-income families who earn 80% or below their geographic area's median family income.

Direct beneficiaries per year: 1,400 families

Geographic areas served: United States

Programs: Ways to Work provides an alternativeto predatory lenders for people with a demonstrated commitment to achievingincreased self-sufficiency and intent on pursuing a higher degree of success inmainstream financial markets. The loans provided by the program are primarily used to purchase or repair a car, thus addressing a common barrier to full employment for many: reliable and flexible transportation.

Community Stories

11 Stories from Volunteers, Donors & Supporters

Professional with expertise in this field

Rating: 1

The worst experience I have ever had with any so-called charitable organization. Do not get involved with these people.

Review from Guidestar

Client Served

Rating: 1

Omg this is a joke. The class was ok but they are not clear on what they need from the client. They are making money off the poor. And this is a state program.

5

Client Served

Rating: 5

The class I took for this program was very informational and helped me learn how to read my credit report. There were many guidelines and tips given on ways to improve credit. The handouts were helpful in that I've had reference them to refresh my memory. For example, during my car search I referenced the handouts to be enlightened on car history, car insurance and things of that nature. Even though my search for a car seemed never ending, tiring, and frustrating I was able to find the perfect car for me. Being in this program allowed me to purcase my first vehicle. I think the Ways to Work organization is great and has changed my life for the best.

5

Client Served

Rating: 5

Because of the Ways to Work program, I was able to obtain reliable transportation for my family. This program enabled me to get back and forth to school and work. I have since earned a degree at an accredited university and haved been at my current organization for almost three years now. I have also learned the importance of budgeting and learning how to manage my finances through the credit education that is offered through the program. My credit score have increased 60 points since my intial start with the Ways to Work program. I am grateful for the opportunity that was given to me through the Ways to Work program.

10

Client Served

Rating: 5

I have been doing well to get ahead and achieve self sufficiency through maintaining employment and meeting all of my short term goals. When I got to where I wanted to be, which was with a Physicians Office in Clinton, Iowa, I was satisfied with my acheivements and knew that I was on the right path. Unfortunately, my positive experience turned into a hardship. My vehicle was lost due to engine failure. Being a single mother, with lots of unsecured debt, I had no where to turn for someone to lend me an efficient amount to purchase a vehicle. Until I heard of the ways to work program, I was going to be back where I had started. I wash sure to lose my job if I didn't have the transportation. Fortunately, with the help of my Ways to Work counselor, Pat, we were able to discuss a budget, set up a payment plan and expect to increase my credit score significantly within the two years of paying off the loan. I am beyond greatful for the help and the opportunity to become a responsible consumer, a committed employee and a good mother to my children. And it all comes back to having the a Way to Work.

11

Client Served

Rating: 5

The Ways to Work Program has improved my families quality of life by allowing me to purchase a minivan met the needs of my growing family. The counselor was professional and not judgemental. He also provided lot of good information. Information about the the program is easy to understand.

11

Client Served

Rating: 5

My name is Tywonna Laney-Johnson and I am a client of Ways to Work program. Prior to applying for this program, my family had went through many obstacles. It was very difficult in getting a ride to and from work even if we paid the individual. It was hard getting to many appointments in a timely manner, and in some cases we had to catch multiple buses. Not to mention getting up extra early to get the grand baby off to daycare, and getting to work on time. I had completely lost faith in everyone and anything within my community. Usually you have to jump through hoops in order to reap the rewards. This was not the case when I decided to apply for the services of this program. This program restored faith within my family that there are still valid programs in the community that is willing to help people like us in need. This program allowed for my family to get to all appointments on time in addition to getting to work everyday. The Staff members of this program are awesome individuals. They make you feel like a human being and go above and beyond to assist in helping the individual with meeting the requirements of the program. They did not discourage me in form, shape or fashion. They did not look down on me because of past mistakes in my finances. This really meant a lot to me, because I did not need anyone to prejudge me. Instead, I needed help for me and my family. I have recommended this program to so many of my single friends that have gone through similar situations like my family. This is a very good program within our community, and it should be recognized as the most effective program in the non for profit arena! Ways to Work has shown my family that there are people that do care about the community, and they want to see people do well on all levels! I thank GOD for this program, and its amazing Staff members!

9

Client Served

Rating: 5

My name is Richetta Jackson and I am a client of the ways to work program. If it wasn't for this program I don't think I would be driving right now. The program really helped me out a lot. I can now take my children to and from their events when I have to. No more calling around and offering gas money! The program gave my family our independence back. I would, or should I say I have, recommended this program to every single women I know that's having transportation problems. This is great program. Thank you to all that make this possible.

10

Professional with expertise in this field

Rating: 5

I have worked for Ways to Work for about two years. We empower women by helping working mothers with poor credit obtain auto loans for the purchase or repair of a vehicle. These women would be unable to obtain a loan from other sources, or if they would qualify for a loan, their credit would force them to pay a much higher interest rate. I've heard many great stories about how getting reliable transportation has helped our clients by allowing them to get more involved in their children's lives, permitting them to further their education and giving them the opportunity to obtain better employment.

9

Professional with expertise in this field

Rating: 5

Ways To Work is a great resource for working women in our community. The program helps women who may not otherwise be able to buy a car or qualify for an additional loan. Ways To Work helps make their lives easier while rebuiding their credit.