ways to work


Ways to Work is a unique Community Development Financial Institution based in Milwaukee. Through a network of more than 44 loan offices across the country, Ways to Work provides financial education and short-term, low-interest loans to working families with challenging credit histories. Most clients use their loan to purchase a reliable pre-owned vehicle to enhance their ability to remain engaged in the workforce and better manage their lives. The program provides an alternative to predatory lending for people with a demonstrated commitment to achieving increased self-sufficiency and who are intent on pursuing a higher degree of success in mainstream financial markets. All agencies that operate the program are members of the Alliance for Children and Families, a sister company to Ways to Work. 

The Problem
Many families live paycheck to paycheck, despite the long, hard hours they put in at work. Life is unpredictable and unexpected. Sickness or unanticipated expenses can plunge a family into crisis. For some, owning a reliable car means the difference between getting and keeping a good job, getting to the grocery store, getting their child to the doctor or dentist, or having their child involved in extracurricular activities.

The Solution
Family Services’ Ways to Work program provides loans, ranging from $500 to $6,000, to help qualifying families purchase a used car or pay for car repairs (repair maximum is $1,000). Borrowers repay the loan at a modest interest rate, for a term of 12-36 months, depending on the loan amount.

Ways to Work has three primary goals:
1) To assist families with reliable transportation to help them retain their current employment or obtain a better position elsewhere.
2) To educate and work with families to build a positive credit history.
3) To assist families in stabilizing their lives and becoming self-sufficient.

Who Qualifies?

To qualify for a loan, you must:
bullet Be a resident of Forsyth County.
bullet Be employed for the last 9 months, working a minimum of 20 hours per week.
bullet Have physical and legal custody of a minor child.
bullet Have a valid NC driver’s license.
bullet Have sufficient disposable income to repay the loan.
bullet Have household income that does not exceed certain limits.
bullet Be at least 18 years old.


How Can I Apply?
bullet Contact David Roddick at (336) 722-8173 or droddick@fsifamily.org to discuss the Ways to Work basic guidelines. 
bullet If you meet the minimum requirements, we'll move forward with the application process. 
bullet Complete the application, gather the required documents, and mail them or drop them by our main office. There is a non-refundable $20 application fee due when you submit your application.
bullet We will schedule an appointment for you to meet with a loan coordinator.
bullet The loan coordinator will review your application and your credit history, and assist you in preparing a realistic budget.
bullet Your application will be presented and reviewed by an anonymous loan committee, which meets once a month.
bullet We’ll notify you when a decision has been made.


If you are approved for a loan, you must attend Financial Education classes, which meet the first and second Tuesday of each month. You must attend both dates. We encourage all of our applicants to attend these classes, even if you do not receive a loan.

Benefits of Ways to Work Loans
bullet Borrowers average a 41% increase in take-home pay.
bullet Fifty per cent of borrowers accessed further education or job training thanks to their loan.
bullet Nearly all borrowers found that the car enhanced their ability to get their children to school on time, take them to medical appointments and access better child care services.
bullet Financial literacy skills learned in class are the first step toward improved credit and financial stability.


Donate Your Car to Us
It served you well ... but now it's time to let go.

Your car can provide working parents in need of reliable transportation a way to work, to school, to the grocery store ... just as it has for you. If you have a reliable automobile and would like your fully tax-deductible gift to benefit our clients, please contact David Roddick, Ways to Work Coordinator at (336) 778-7073 or droddick@fsifamily.org.

bullet Main office
  Family Services, Inc.
  1200 South Broad Street, Winston-Salem, NC 27101
  Winston-Salem, NC 27101 | P: (336) 722-8173 | F: (336) 724-6491
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