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Money, Jobs, Transportation

Car Ownership

Car Ownership Program

We provide a low-interest loan up to $6,000 to help you purchase a car and we guide you through the car buying process.

In the past ten years, Community Action has issued more than 500 car loans to low-income people, helping people get to work, drive to medical appointments, and take their kids to school.


Am I Eligible?

If you do not already qualify for a car loan at a reasonable interest rate through another lender due to a lack of credit history, limited income, or short employment history, you may be eligible.

Community Action will require you to go through an interview process, which involves a credit and budget review, and you must meet the following requirements: 

  • Live in Ramsey or Washington County
  • Have a continuous work history of 6+ months at a minimum of 20 hours per week
  • Provide recent documentation of monthly income
  • Have a valid Minnesota driver’s license 
  • Provide proof of “full coverage insurance” prior to loan closing date
  • Household income is at or below 200% of the federal poverty guidelines

All eligible applicants will be required to complete a short online financial literacy course before completing their application. This course can be completed on a smartphone, tablet, or computer. If the applicant does not have access to one of these devices they can make an appointment to use our on-site computer lab. 

Meeting eligibility requirements does not guarantee a car loan.

For more information or to pre-qualify for Community Action’s Car Ownership Program, please send us an email at or call us at 651-603-5885.


“Everything went smoothly and my car was ready in one day. I can’t thank Community Action enough. Help was there when I needed it most. Not once, but twice!”

                        - Jacqueline, Car Ownership Program Participant

Our Impact This Year

  • People Who Received Utility Bill Assistance


  • Children Enrolled in Head Start & Early Head Start


  • People Whose Utility Bills Were Lowered Through Home Weatherization


  • Workers Provided with Transportation Support Including Vehicle Loans, Repair Grants, and Transit Passes


© 2022 Community Action Partnership of Ramsey and Washington Counties

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