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EPIC works hand and hand with children, youth and families. We provide services to strengthen communities.
Ways to Work

Ways To Work

Ways to Work helps qualified working parents via small, low-interest loans to purchase or repair a vehicle for reliable transportation to work and to the childcare center. What you learn in the Ways to Work program will give you financial literacy skills, such as understanding credit; help improve your credit rating by connecting you to classes on debt management and increase your attendance at work via reliable transportation.

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Are you eligible for a Ways to Work loan?

To apply for a Ways to Work loan, you must:

  • Be a resident of Yakima County
  • Work a minimum of 20 hours per week
  • Have a continuous work history of at least 3 months
  • Be an involved parent of a child 17 years of age or younger
  • Have a household income no greater than 80% of Yakima County's median income (example: a family of 4 earning $39,900 or less)
  • Have exhausted other available loan sources, or have a history that would prevent loan approval from conventional lenders
  • Have sufficient monthly disposable income available to repay the loan
  • Demonstrate the ability and willingness to repay the loan as determined through the application process
  • Complete the required financial literacy training before closing
  • Register for the rideshare program

How to get a Ways to Work loan

  • Review the eligibility requirements (above)
  • Call (509) 895-6466 to set up an application appointment
  • Or obtain a Ways to Work application online and return it to the Ways to Work office: by mail at P.O. Box 9279, Yakima, WA 98909-0279; or FAX to (509) 452-7634
  • Complete the loan application process
  • Complete the financial management class
  • Repay the loan within 2 years

Loan terms

  • Automobile purchase - up to $4,000*
  • Automobile maintenance or repair - up to $1,500
  • Interest - 8% maximum
  • Loan length - 24 months

* All automobiles must go through an inspection at a site chosen by Ways to Work. The cost of inspection is paid by the applicant at the time of the inspection.

Ways To Work Application

Click here to download the Ways To Work Application application (PDF Format).