By Car

Short Description

By Car helps income-eligible clients to purchase a used vehicle while learning savings strategies and vehicle care. 


Eligible clients use their earned income toward a vehicle purchase.

The LCCAA By Car Program now partners with OhioMeansJobs Lorain County to increase the maximum match and provide funds for insurance.

OMJ matches participants funds 3 to 1 (match ceiling is $6,000). Participants attend a one-time financial literacy course as well as review costs of owning a vehicle and the value of continued savings.  

Income can be earned from:

  • Employment
  • Self-employment
  • A combination of any of these
To participate in the OMJ program, you must: 
  • Register to an OMJ program by calling 440-324-5244
  • Schedule and complete orientation
  • Complete the Work Keys and be engaged in the workshops that OMJ provide
  • Be assigned an Employment Specialist
Once this is completed and the Employment Specialist approves you for the program OMJ will submit the voucher to LCCAA.

The next steps will be:
  • Save $2,000 to put down on a car.
  • Complete the Financial Literacy Class at LCCAA.
  • OMJ will match $3 for every $1 to a max of $6,000. You will be able to purchase an $8,000 car. 
  • Participants completing their purchase also receive one year of car insurance paid, up to $2,500.

The income eligibility requirements are based on family size and total family income. Participants must be living at or below 200 percent of the Federal Poverty Line ($55,500 for a family of four in 2022).  

Other Program Requirements

  • Be employed OR
  • Be enrolled in a certified training or full-time college education program.
  • Complete a financial literacy class.
  • Agree to open a savings account.
  • Commit to owning the vehicle for no less than six months.
  • Agree to abide by the program requirements.

If you have questions or need more information, contact Jasmine Hamilton at [email protected]