ways to work frequently asked questions applicants How does the program work? We encourage you to call YWCA of O‘ahu at (808) 237-2643 or click here to see if you qualify to participate in the Ways to Work program.  We are unable to accommodate walk-in visits without an appointment.  Loan decisions are made by a committee of volunteers from banking, business, social service and public administration professions.  After approved customers attend money management training, all loans are funded, closed and serviced by American Savings Bank. What if I have bad credit? Even if you have bad credit, we encourage you to apply. We offer family members an opportunity to build or re-build their credit while making monthly loan payments at a modest interest rate. How long does it take to see if I'll be approved for a loan? In general, applicants learn of loan approval or denial within 3 weeks from application submittal. service providers Can I get flyers to distribute to my clients? It's as easy as clicking here.  You're welcome to print and distribute as many as you like.  What are the results? For Ways to Work customers who paid off their loans as of December 2006: • 8 out of 10 maintained or increased their income; • 6 out of 10 increased their credit score; • For those using welfare benefits, a majority reduce or eliminate their dependence on public assistance; • Parents' stress levels go down.
Call YWCA of O‘ahu to apply:  (808) 237-2643 Supported by American Savings Bank City & County of Honolulu Hawai'i Community Foundation HEI Charitable Foundation Ifuku Family Foundation