DriveForward provides affordable loans to help participants purchase reliable used vehicles and begin the process of building their credit. Life is infinitely more challenging when you must rely solely on public transportation; commutes become longer, errands more difficult, and arriving on time to work or school nearly impossible.

Many of the people we help are unable to cover expensive repairs on aging vehicles, cannot afford the high costs of buying a new car, or do not qualify for affordable loans through mainstream lenders. Through DriveForward, participants gain access to a affordable loan with the power to strengthen their personal and financial stability.

Local support for this program provided in part by:

United Health Credit UnionSelf Help FCU




How it works

After applying, participants attend a financial workshop covering budgeting, money management, and the reasons and ways to utilize credit. Participants then meet one-on-one with a member of our Financial Empowerment Team to review their loan application and credit report.

Once completed, loan applications are reviewed by our Loan Committee. Upon approval, participants can begin looking for a vehicle! A third-party certified mechanic performs an inspection prior to purchase, ensuring vehicles are safe and qualify for financing.

Do I qualify?

To qualify, participants should:

  • Live or work in San Mateo or Santa Clara Counties
  • Have an annual household income of $83,000 or less (for a family of three)
  • Demonstrate ability to afford loan payments
  • Provide a valid California driver’s license

*Income limits change each year and vary by county and family size. Please contact us for more information.

How to apply

Click the button below to begin your application online, or contact a member of our Financial Empowerment team.

Apply Now
  • For San Mateo County inquiries, call Lex Medrano, Financial Empowerment Coordinator, at 650.403.4300 ext 4105 or by email.
  • For Santa Clara County inquiries, call Aileen Ochoa, Financial Empowerment Coordinator, at 408.577.1981 ext 311 or by email.

Peninsula Family Service operates its programs and services without regard to race, color and national origin in accordance with Title VI of the Civil Rights Act. Any participant who believes she or he has been aggrieved by any unlawful discriminatory practice under Title VI may file a complaint with Peninsula Family Service using this form.