DETROIT -

Getting people to and from work is the goal behind a new low-cost car loan program in metro Detroit.

Two non-profit groups are working to help low-to-moderate income families, with bad credit. It's part of the Detroit Ways to Work economic empowerment program.

Qualifying families in Wayne, Oakland and Macomb counties can receive car loans of up to $6,000 and repair loans of up to $1,500. The interest rate is 8 percent, which is a lower rate for folks with bad credit.

The program also requires applicants to take a financial education course as part of the loan process. Applicants are taken through the application process, given financial counseling on budgeting, credit repair education and financial planning. The applicants must already have jobs to qualify and transportation is an issue in their lives.

The program is being run through the Matrix Human Services and Spectrum Child and Family Services. It will be launched March 26.

Funding is provided through the Kellogg, Kresge, Walmart and other businesses and foundations. However, more support is needed for this micro-loan program that helps people to keep working.

Applicants seeking information can call Matrix at 313-526-4000, ext.. 319. Or, Spectrum at 313-456-6060.