In the spring of 2014, we learned that our minivan needed repairs in excess of it's value. We'd already been cutting back on our auto use and were trying to walk and bike more. We'd been talking with friends and reading about cargo bikes as a car alternative. Around the same time, a new business, "Boxy Bikes" opened in Ithaca, which specializes in electric and cargo bikes. We found a model we were interested in and approached Alternatives to finance. Alternatives set us up with a Signature Loan and a "Green Loan" discount rate. Thanks to Alternatives, we are now the happy owners of a "Yuba Mundo" Electric Cargo Bike. We can get anywhere we need to go, using no gas, and creating no emissions. I can carry two passengers or a week's worth of groceries. The loan will be paid off in two years, and the bike will last for much longer, at a fraction of the cost of an automobile.