Job Access Loans 


What is a Job Access Loan?

Job Access Loans are short-term, no interest loans designed to assist eligible individuals to meet emergency needs that support employment. The applicant must have either a job or a good faith job offer to be eligible for a Job Access Loan.

The W-2 agency determines eligibility for Job Access Loans and administers the issuance and repayment of the loans. Job Access Loan monthly repayments can be made in two ways: in cash or through a combination of cash and volunteer community service. For participants who have been approved to partially repay the loan through volunteer community service, the W-2 agency will also monitor and verify the community service.

Individuals must apply at their local W-2 Agency and develop an acceptable loan repayment plan with their Financial and Employment Planner. Job Access Loans typically are to be repaid within a 12-month period, but may be extended up to a maximum of 24 months in individual circumstances.

What can you use a Job Access Loan for?

Job Access Loans can be used for:

  • Assistance in paying for car repairs.
  • Car loans enabling participants to access transportation to work.
  • Required employment clothing/uniforms or equipment expenses.
  • Moving expenses to a new area for obtaining or maintaining employment.
  • Paying fees, fines, or insurance in order to obtain a driver’s license.


For more information about Job Access Loans, visit the W-2 Manual.
To apply for a Job Access Loan, find your local W-2 agency.