The KEYS Auto Loan Program, a vital initiative by the Employment & Human Services Department (EHSD), is designed to empower employed CalWORKs participants. If securing a reliable car loan through conventional channels has been challenging, KEYS offers a low-interest Car Loan Program tailored to your needs.
Referrals to this impactful program are streamlined through your dedicated CalWORKs EHSD case manager, ensuring a personalized and supportive application process.
For over two decades, KEYS has been instrumental in facilitating transportation for working individuals, providing 150 loans within Contra Costa County. This car loan program directly aids CalWORKs participants in maintaining stable employment by addressing transportation barriers. Loans can reach a maximum of $6,000.00, with manageable average monthly payments around $180.00. To ensure vehicle reliability, every car financed through KEYS undergoes a thorough diagnostic inspection by certified mechanics, completely free of charge to the loan recipient. Beyond financing, the program extends valuable support through budget management resources and access to car maintenance services for vehicles acquired via the KEYS car loan program.
Man smiling and holding car keys, representing car ownership through a car loan program.
KEYS Loan Eligibility: Is This Car Loan Program Right for You?
Wondering if you meet the criteria for a KEYS loan? Here’s what you need to know to qualify for this car loan program:
- Valid Driver’s License: Applicants must possess a valid driver’s license and maintain a safe driving record with no more than one point.
- Consistent Employment: You should be employed for a minimum of 32 hours per week and have maintained employment with your current employer for at least the past two months. Proof of employment is required and can be provided by completing a KEYS Loan packet.
Credit Score Considerations for Your Car Loan Program Application
Worried about your credit history? The KEYS Program understands that many applicants may have encountered credit challenges in the past. While credit reports are reviewed, this car loan program is specifically designed to offer a second chance to those who may not qualify for traditional auto loans due to credit issues. It’s an opportunity to access vehicle financing and improve your transportation situation despite past financial difficulties.
Take the Next Step: Applying for the KEYS Car Loan Program
If you believe you meet the eligibility requirements and are ready to explore this car loan program, your next step is simple: Reach out to your EHSD Case Manager. They are your primary point of contact and can provide detailed guidance on applying to the KEYS Program and discuss your interest further.
Program Availability
Please note that the availability of the KEYS transportation program is contingent upon the availability of County funding. Interested applicants are encouraged to inquire promptly.
For further information about this car loan program, please contact:
Joel Flamand Phone: (925) 608-5869
