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Family Loan Program

Family Loan Program

The program is based on the premise that life’s unpredictable challenges like repeated car break-downs or child care difficulties can easily plunge a family living on a marginal family income into crisis and unemployment.  Several financial institutions recognizing that no credit and bad credit prevent hardworking individuals access to small loans, created a revolving loan fund pool to help working families remain employed.  The program has a default rate of under 5% since inception and a 2% default rate during the last program year.

All loans must be repaid within two years.


Applicants are required to attend Financial Counseling Workshops.


Successful applicants must be:

  • Employed at least 20 hours per week and at the same job for at least 6 months
  • Income eligible
  • Able to demonstrate that the loan is necessary to maintain employment and that the loan can be repaid within two years
  • A resident of New Jersey (NORWESCAP primarily serves Hunterdon, Morris, Somerset, Sussex and Warren residents.)


Types of Loans:


Car Purchase

Maximum Loan Amount: 



Car Repair / Car Insurance

Maximum Loan Amount:



Child Care

Maximum Loan Amount:



Housing/Rent/Mortgage/Security Deposit

Maximum Loan Amount:



Employment Related Expense:



Repayment Information:

All loans must be repaid within two years


The average loan repayment for car

repair is $88 per month for 12 months



To learn more about NORWESCAP’s Family Loan Program or for an application, please contact a Loan Coordinator by calling:


908-454-7000, ext. 116

Fax:  908-859-0729



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Program Director

Carolyn Thoens

Program Director

Hunterdon, Morris, Somerset, Sussex and Warren County

I wanted to thank everyone that made it possible for me to have a loan to purchase my car. I know I didn’t have any credit and I must have seemed like a risk, but as you can see it all worked out. My loan is all paid off and now I own my car. Plus, I was able to keep my job and life just keeps getting better. Thanks!” – Loan Participant