Community Action's Car Ownership Program

The Car Ownership Program helps working people purchase cars through a loan program. Community Action provides a low interest loan up to $4,000 for people to purchase a car and guide them through the car buying process.

Applications are limited to people who do not qualify for a car loan at a reasonable interest rate due to a lack of credit history, limited income, or short employment history. Applicants are required to go through an interview process which involves a credit and budget review.

Eligibility Requirements

All applicants must meet the following requirements to be eligible for a car loan*:

  • 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
  • Be an adult age 18 or older
  • Ability to provide proof of “full coverage insurance” prior to loan closing
  • Have an annual gross salary equal to or less than stated income guidelines based on household size 200% of the federal poverty guidelines
All applicants are required to complete a loan application, meet with a program coordinator, and attend financial literacy classes in order to be considered for a car loan.
* Meeting eligibility requirements does not guarantee a car loan.

Purchasing Guidelines

The following guidelines must be followed when purchasing a car**

  • No SUVs, 4 wheel drive vehicles, or luxury cars.
  • Car must have less than 140,000 miles.
  • Car must be under 12 years old.
  • No 8 cylinder engines.

**All vehicles must pass a comprehensive vehicle safety inspection prior to purchase.

2016 Income Guidelines

Family Size

200% of Federal Poverty Level

1 $23,760
2 $32,040
3 $40,320
4 $48,600
5 $56,880
6 $65,160
7 $73,460
8 $81,780
* Add $4,160 for each additional person

Contact Information

For more information or to pre-qualify, please call 651-603-5880.