Working Cars for Working Families is a group of organizations dedicating to getting working families reliable cars; it is not one single organization, explains the official website. Each individual program has different eligibility requirements set by the organization, not by Working Cars for Working Families.
To determine the eligibility requirements of a specific organization, Working Cars for Working Families has an organization look-up on it's website, entitled "Find a Program." There users can search programs by ZIP code, state and city. There are higher concentrations of these organizations in the Midwest, as well as in eastern and southern states, according to Working Cars for Working Families.
The Ways to Work program from Family Services of Greater Houston is one such example. Ways to Work helps those who cannot get car loans from banks or credit unions to get cars by offering car loans at discounted rates. Ways to Work offers up to $8,000 in loans at an 8 percent interest rate over 36 months, states its website, as of 2015. Applicants must have a valid Texas driver's license, live in Harris County and be employed at least 20 hours a week, among other requirements.
However, not all car ownership programs involved with Working Cars for Working Families give loans, explains the organization website. Another type of program connected to Working Cars for Working Families obtains used cars and then redistributes them to low-income families. Other programs offer matched savings programs to encourage families to put savings toward a new vehicle.