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Affordable Cars and Low-Interest Car Loans

Many of the most successful car programs do not give cars away. They sell reliable cars at fair prices and offer loans designed for people with low or damaged credit, so you build credit while getting a dependable car.

Apply for Help Find Help by State
Affordable Cars and Low-Interest Car Loans

Nonprofit loan and low-cost car programs

  • Loans

    Ways to Work

    Small low-interest car loans for working parents (Florida, Tennessee and other areas).

  • Zero interest

    Work-n-Wheels and JumpStart

    Zero-interest vehicle loans in Wisconsin and Minnesota.

  • Loans

    On the Road Lending

    Nonprofit car loans with coaching, based in Texas and expanding.

  • Kentucky

    Cars to Work (Goodwill)

    Affordable cars for working Kentuckians who cannot get a regular auto loan (see Kentucky).

Working cars for working families - affordable cars & loans help from Free Car Assistance

Avoid predatory deals

"Buy here, pay here" lots and some subprime loans charge very high interest and repossess quickly. Compare any offer with a credit union or nonprofit lender first, and never sign a loan you do not fully understand.

Gas cars for low income families - affordable cars & loans help from Free Car Assistance

Building credit with a car loan

A fair car loan that reports to all three credit bureaus can raise your credit score over time if you pay on time. Set up autopay or payment reminders, and keep your other bills current. Better credit means lower costs on your next car.

Where to start

  • Apply with us. Fill out our free online application. We review your situation and point you to programs you may qualify for.
  • Check your state guide. Each state page lists nonprofit car programs, loan programs and government help in that state.
  • Call 2-1-1. United Way's free, confidential helpline connects you with local transportation help.
  • Ask your TANF caseworker about "transportation supportive services". Many states pay for car repairs, insurance or registration when you need a car for work.
  • Contact your Community Action Agency. Most U.S. counties have one, and many run car loan, repair or gas programs.

Frequently asked questions

What is a matched savings (IDA) program?

An Individual Development Account matches the money you save, often dollar for dollar or more, for goals like buying a car. Ask your community action agency.

Related help

Find help in your state

Reviewed November 2026. This page was researched using official government and program sources. Programs change often, so please confirm details with each program before applying. How we research.

Free help, no fees

Need a reliable car? We can help.

Applying is free and takes about 10 minutes. We review every application and point you to programs you may qualify for.

Apply Now 1-800-433-9355