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Ways To Work

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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

3 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


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.


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.