Despite all the challenges created by the COVID-19 pandemic, the Goodwill Cars to Work program and its manypartners placed more than 100 individuals into vehicles in 2020, which is a record for the program.

Through our Cars to Work program, individuals who wouldn’t normally qualify to finance a vehicle are provided a secured loan with affordable monthly payments of $150-$210 per month, since transportation is such a barrier for Kentuckians to maintain employment. The program promotes self-sufficiency, as participants are required to save for a down payment and learn useful tips as to how to pay off the loan.

Goodwill also offers participants the following:

  • Down payment match of $500
  • Fixed 5% interest rate regardless of credit score or history
  • Interest reimbursement once the loan is paid in full, with no late payments
  • Free credit health review and six months of financial coaching to help you establish and/or build credit

We have partnered with Oxmoor Auto Group, Apprisen and Park Community Credit Union to break down transportation barriers and assist program participants to build or establish credit. Oxmoor Auto Group is helping to match participants with a vehicle that meets their needs. Park Community Credit Union has partnered with Goodwill to administer the program loans and provide education to participants on the lending process. Apprisen provides each participant with a financial foundations class, credit health review and six months of financial coaching.

The program is currently accepting new applicants! Visit to learn more and apply today.

For even more information about the program, including program requirements, watch this recent WAVE 3 segment, featuring Cars to Work Program Manager Katie Ramser, Park Community President and CEO Jim Spradlin and Oxmoor Auto Group General Manager Steve Stuber: