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There is an alternative for responsible, working parents to receive low-interest auto loans.

Ways to Work is a national program of Alliance for Children and Families that allows qualified working parents who are unable to get funds elsewhere, to receive loans up to $4,000 to purchase, repair or refinance a car.

The first program of its kind in Oregon, Ways to Work is operated locally by Metropolitan Family Service.

Loan Eligibility
To be eligible for loan consideration, a potential borrower must: 

  • Be employed three months continuously
  • Be an involved parent
  • Have exhausted other loan sources
  • Have a household income less than 80% of the Portland median income (80% for a family of 4 is $54,300)
  • Reside in Multnomah, Clackamas, or Washington County

Borrowers agree to repay the loan at an 8% interest rate within two years. The money is then made available to other applicants.

For more information regarding loans contact our Ways to Work Coordinator at 503.232.0007, ext. 303.
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Ways to Work Services

  • Provides low-interest loans up to $4,000 to working parents
  • Teaches financial literacy skills to loan applicants
  • Improves client's credit rating and gross earned income over time
  • Decreases time in transit to work
  • Decreases dependence on public assistance
  • Increases attendance at work

Nationally, participants average a 40% increase in household income.

Ways to Work is sponsored by Alliance for Children and Families with major funding from The McKnight Foundation, US Department of Transportation, Meyer Memorial Trust, and the Oregon Community Foundation.





Ways to Work
Ways to Work, Inc., a federally-certified Community Development Financial Institution, was established as a sister organization to the Alliance for Children and Families to help interested Alliance member agencies replicate the Ways to Work loan program (formerly known as the “family loan program”).
http://www.waystowork.org


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waystowork@metfamily.org

503.232.0007, ext. 303

Metropolitan Family Service
1808 SE Belmont Street
Portland, Oregon 97214 





Annie, a single mother was commuting two to three hours a day on public transportation to get to her two jobs and bring her four young children to daycare.

The family often dealt with harsh weather conditions waiting for the bus. To accomplish her daily routine, Annie was up with her children at 5:30 a.m., and was never tardy for either of her jobs. Being on time for work and getting her kids to daycare safely continue to be her utmost priority. Obtaining a car loan through our program has made it possible to accomplish her goals with less stress and hardship.

Ways to Work makes a positive impact on the financial well-being of many low-income households.