Ways to Work


It is with a heavy heart that we have decided to no longer offer loans under the Ways to Work program. It has been a huge help to our clients. Increases in job access, credit scores, and family engagement have been seen by most of our clients. Unfortunately funding has been cut without adequate sources to replace what was lost. We will continue to support the clients still in repayment. Thankfully, our many community bankers will provide on-going financial education to other Family & Community Services programs and the greater Salvation Army in the Chicago area.

Ways to Work was a program that offered low interest loans for buying or refinancing used cars that are needed by parents to more easily meet job demands while raising children. This program was offered to those persons whose credit would not allow them to get a traditional loan or could only do so at very high interest rates.

Goal: To improve the financial conditions of distressed families and move them towards financial independence.

Three Main Components:

  1. affordable credit
  2. high-touch client support
  3. financial education

“Approximately 80% of those participating in WtW’s financial education classes and car loan recipients were low-income, working female heads-of-household. ”


Read this Chicago Tribune article about our first loan client who just recently paid off her loan!

Download Ways to Work Flyer.

Listen to WBEZ 91.5 Radio featuring the Ways to Work Program – Building that credit score, one loan at a time.

Download and listen to News Talk Radio 710 WOR podcast
featuring the Ways to Work program and Human Trafficking Program in Chicago.

This Program was Sponsored by:

The Regional Transportation Authority

The Salvation Army

TCF Bank

Popular Community Bank

Standard Bank

State Bank of India

Woodforest National Bank

Associated Bank

Guaranty Bank

First Savings Bank of Hegewich

Beverly Bank

Hinsdale Bank

The Walmart Foundation