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Carl is had provided for his family with his own lawn care and moving business. He took out an auto title loan on his truck to build his credit, but the truck broke down. When the truck was repossessed, it hurt his credit and sent his family into severe financial distress. He had to sell all of his lawn equipment just to pay his bills. With the help of BridgeBuilders, a faith-based charitable organization, Carl got a job as a steelworker, but bought a cash car that was falling apart.

When we met Raul, he was taking the bus or ride-sharing to work. He completed a budget, saved for a down payment, and began working on improving his credit with one credit card. He purchases one budgeted item with the card each month and pays it off completely. With those accomplishments achieved, we were able to get Raul into a 2017 Toyota Corolla LE.

“Financing a vehicle, improving my credit, and building better money habits will set me up for my life to come,” Raul says. “As the oldest I am looking toward attending law school, a first in my family. This opportunity with On the Road Lending is going to benefit the next phase of my life.”

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