Automobiles from Working Cars for Working Families.
A leading non-profit to contact for information on free or low cost automobiles is the Working Cars for Working Families organization. They provide resources for qualified, low income and working poor families. There are many local charities and non-profit agencies that partner with the national group. In effect the Working Cars for Working Families program is run locally and find more details below.
A number of conditions will need to be met by applicants and any assistance provided is of course limited. The non-profit is trying to ensure that responsible families are able to obtain a car in order to get to their job. Among other things, the staff work to ensure that applicants receive a fair deal when financing and/or buying a car. Or some people are directly given a free or very low cost auto from Working Cars for Working Families.
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This transportation program will help families across the nation become economically successful and therefore self-sufficient. Working Cars for Working Families promotes solutions that will help regional non-profit ownership programs provide transportation to working families in their town or county. Therefore, in partnership with local groups, Working Cars for Working Families will help ensure families get the funds to buy a vehicle or, as noted, some low-income families will be given the car for free.
Working Cars for Working Families also helps people that lack public transportation. In many rural communities, or major inner cities, families often did not live close to a bus route, subway, train station or other mass transit and those individuals need a vehicle to get to their job. Working Cars for Working Families, and their local non-profit partners, also helps those people get a vehicle due to the lack of other affordable and accessible transportation.
- To help put this into context, about 60% of residents in metropolitan areas live in the suburbs. In addition, about 65% of those are located in the suburbs of major cities. So almost 90% of people drive to their jobs. However, for those low-income rural or residents who live in the center of a city, and maybe who don’t own a car, they become isolated from those suburban job opportunities.
- People from the cities find themselves living further away from those employment and economic opportunities. So having a car is critical for them, as relying on mass transit is usually not the best option due to schedule, lack of direct routes, and time of travel, among other factors.
In general, the non-profit administers car ownership programs in partnership with the local charities. These are programs that provide opportunities for so called working poor families. These tend to be low wage workers, those with limited access to public transit and others who meet program requirements. The intent is to help people who are working and can hold employment but their income is not high enough for them to afford a typical, monthly car payment.
The assistance provided is also targeted so that individuals can gain new skills or a higher earning job. Working Cars for Working Families can assist clients with finding a used, or in some cases a brand new vehicle or access to a loan for an auto. Find details on a car loan with no job.
How does Working Cars for Working Families help?
There are a few different parts to this service. Each local charity may offer their own variation. There are really three different components or versions to this program as follows.
- Clients may be able to obtain low interest loans. The financing may also come with discounted rates or special terms. Generally these loans from Working Cars for Working Families are also available to help individuals with poor credit scores or other financial challenges purchase a vehicle.
- A second component are those programs that acquire gently used vehicles. These can be donated to the non-profit by dealers or individuals. The non-profit Working Cars for Working Families will then giveaway these automobiles to qualified low income families.
- In some cases the agency may help individuals save for a vehicle through matched savings programs, such as an IDA.
- Working Cars for Working Families will also help fix a car too. Many low-income families or single parents lack emergency savings to repair their car or truck, and instead of a new vehicle some basic repairs may be done. Read more on low income car repair grants.
As most people know, a reliable and safe car is critical to the long success of most working individuals and families. Without transportation someone who is currently employed may not be able to access child care, job training, medical appointments, or other critical needs. So by families being able to acquire either a new or low cost automobile, this will help ensure these tasks can be addressed.
The eligibility requirements for Working Cars for Working Families will vary by program, location and charity. Over 100 agencies and charities participate, and they are located across the country. Each car ownership program may have differing eligibility requirements and the local non-profit will consider many factors. Applicants will need to contact the assistance programs in your area for more details.
While conditions needs to be met, the goal of each and every non-profit is to promote the economic well being and job security to the less fortunate. This is accomplished by them distributing cars directly to families, facilitating matched savings for car down purchases and payments, and making low-interest loans for car purchases.
This affordable access to a car not only benefit’s the client, but it is an important component of an effective transportation strategy to help build strong economies and healthy communities. For example, many state welfare administrators, employers, and also job seekers indicate that transportation barriers and lack of an auto are a obstacle to finding a job and success on it.
As noted, each free car program (or financing) coordinated by Working Cars for Working Families is local. To learn more on the programs in your area, contact www.workingcarsforworkingfamilies.org.
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