Story Behind the Stores: Terrell regained his independence with help from Goodwill Cars to Work

Four years ago, Terrell was shot and paralyzed by someone trying to steal his car. As a result, he lacked the independence he once had.

After being introduced to Goodwill, Terrell applied for the Cars to Work program. He was matched with a car and had hand controls installed so he could drive. After hearing Terrell’s story, an anonymous donor decided to make his payments.

Now, Terrell has regained independence he was used to, with help from Cars to Work. Watch him tell his full story here.

Through the Goodwill Cars to Work program, individuals who wouldn’t normally qualify for financing are provided secured auto loans with affordable monthly payments of $150 to $210 per month. The program promotes self-sufficiency by requiring participants save for a down payment and learn useful tips for paying off loans.

To this end, Apprisen, a nonprofit offering financial resources to those in need, provides each participant with a financial foundations class, credit health review and six months of financial coaching.

For participants, Goodwill also helps with a down payment match of $500 (and $1,000 for Goodwill employees) and offers a fixed 5% interest rate regardless of credit score or history. If a participant pays their loan in full with no late payments, they’ll get an interest reimbursement. There’s also a free credit health review and six months of financial coaching to help them establish or build credit.

To get individuals in cars, Goodwill has partnered with Oxmoor Auto Group. The local, full-service car dealership helps match participants with vehicles that meet their needs.

On the finance side, Goodwill enlisted Park Community Credit Union to administer loans and provide education on the lending process for participants.

Are you in need of a vehicle to obtain reliable employment? Let Goodwill help you. To learn more and apply, visit www.goodwillkycarstowork.org.