• Partners include Sacramento County Department of Human Assistance (DHA), Consumer Credit Counseling Services of Sacramento (CCCS), and the Sacramento Credit Union (SCU).
• Sacramento County Board of Supervisors approved DHA to guarantee low rate automobile loans using CalWORKs funds.
• DHA will refer employed CalWORKs recipients who are earning at least $1,075 in gross income each month and who meet other criteria for the program.
• CCCS will provide a series of classes covering many consumer credit issues.
• SCU will provide the funding for the vehicle loans at a low interest rate.

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• Provide vehicles to employed CalWORKs recipients who would not otherwise qualify for an automobile loan.
• Result in longer job retention or assist the recipient to seek employment with a better career ladder.
• Provide an opportunity for employed CalWORKs recipients to improve his/her credit record.

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• Provide vehicles to employed CalWORKs recipients who would not otherwise qualify for an automobile loan.
• Result in longer job retention or assist the recipient to seek employment with a better career ladder.
• Provide an opportunity for employed CalWORKs recipients to improve his/her credit record.

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• Increase in job retention for the recipient.
• Assists the recipient to achieve self-sufficiency and long-term success.
• Provides a low rate loan to employed individuals who otherwise would not qualify for a loan.
• Helps employed CalWORKs recipients to re-establish their credit rating.

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CalWORKs recipients who live in Sacramento County qualify for this program if they meet all of the following requirements:

• Is a current CalWORKs recipient in Sacramento County, and
• Is employed with a job that is permanent (not temporary) in nature for at least thirty (30) days, and
• Has gross income (before taxes) of at least $1,075 per month, and
• Has no vehicles registered in his/her name, or
• Does not own a vehicle or vehicle does not run and has been denied funds to fix it by his/her worker, and
• Has not received a vehicle through Sacramento County's Auto Loan or Wheels To Work Programs, and
• Has a valid California driver's license, and
• Has received no vehicular felonies or DUI's.

Note: The SCU may have additional eligibility criteria

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If you would like to find out if you or someone you know is eligible for the Automobile Loan Program, please call your CalWORKs caseworker.

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