YWCA Southeast Wisconsin
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Ways to Work

Ways to Work is your opportunity to access a reliable vehicle and build your credit at the same time!

How the Program Works

Financial Educatio
n
A three hour financial education course and one-on-one budget counseling help you build the skills and knowledge necessary for sustained financial security.

You will learn about checking and savings accounts, and the impact of credit scores on your financial life.  You will also create a realistic budget that will help you achieve your financial goals.

Character-based Loans
Loans are approved by a volunteer loan committee that evaluates your work history, budget tracking, and a personal statement about why you are a good candidate for the loan.

Credit Building
Monthly payments are reported to the major credit bureaus, helping you to build your credit with each successful payment.

Auto Loans
Ways to Work auto loans provide $4,000 - $8,000 for pre-owned vehicles. The repayment period is up to 36 months at a flat 8% interest rate. Auto repair loans from $500-$1,500 and auto refinancing (up to $8,000) are also available.

Program Steps
1. Call 414-267-3240 for an eligibility screening
2. Attend a one-time, mandatory financial education class
3. Complete an application to the program
4. Receive one-on-one budget consultation & prepare your statement for loan committee
5. Case management throughout loan repayment for approved borrowers

What others are saying about Ways to Work

"A new car means more opportunities. Ways to Work has me on the right track and I'm excited for the future."
- Anonymous, Ways to Work borrower


"When I first started, I was skeptical because of all of the steps and rules, but now everything has fallen into place. The program is very helpful." 
- Tanill, Ways to Work borrower


Call us to get started!  414-267-3240


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Ways to Work (WtW) is a unique Community Development Financial Institution based in Milwaukee, WI. Through a network of loan offices across the country, the program provides financial education and small, short-term, low-interest auto loans to working individuals with challenged credit histories. The YWCA Southeast Wisconsin serves as the Ways to Work provider for Milwaukee, Waukesha, Ozaukee, and Washington Counties. Find out more about Ways to Work at www.waystowork.org.

All agencies that operate the program are members of the Alliance for Strong Families and Communities, a sister company to Ways to Work. Both companies are part of the Families International, Inc. group of companies based in Milwaukee.   

The Ways to Work program receives support from the following sponsors:



          

Application Eligibility
 
  • Resident of Milwaukee, Waukesha, Ozaukee, or Washington Counties
  • Valid Wisconsin driver's license
  • 18+ years old 
  • Challenged credit
  • Ability to repay loan
  • Working 20+ hours/week
  • Currently employed 3+ months
  • No open bankruptcy
  • Meet annual income guidelines below

    Household       Income less than
    1 person          $39,350
    2 person          $45,250
    3 person          $50,900
    4 person          $56, 550
    5 person          $61,050
    6 person          $65,600