Wheels to Work Car Loans

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Wheels-2-Work Car Loan Program

Wheels 2 Work logo

The Wheels-2-Work auto loan program is designed to help income eligible families and individuals with assistance in obtaining an affordable and dependable vehicle.

CWCAC Wheels-2-Work serves the counties of Adams, Columbia, Dodge, Jefferson, Juneau & Sauk. We have an office in each county (except Jefferson) including our Central Administrative office in Wisconsin Dells. WHEELS TO WORK BROCHURE

CONTACT
Kelly Hess
Program Manager
(608) 254-8353 ext. 234
kelly@cwcac.org

Thank you for your interest in the Wheels 2 Work program.

This program is funded in part by the Federal Transit Administration (FTA) as authorized under 49 U.S.C. § 5311 Formula Grants of Other than Urbanized Areas (5311) (CFDA 20.509)

At this time, we are not accepting new applications.
We will reopen the application process if and when additional funding becomes available.

0% Interest Auto Loans

These loans are available to income qualifying families and individuals.

Wheels 2 Work Loan Recipient 1

A. Qualification Criteria

  • At or below 150% FPL (Income Guideline Chart Below)
  • Proof of residency in your current residence for at least 9months
  • Live in Adams, Columbia, Dodge, Jefferson, Juneau, or Sauk County
  • No OWI or DUI with in the past 3 years
  • Proof of Income (4) Consecutive Months at current job @ a minimum of 30 Hours per week
  • Valid Driver’s License
  • Must have 6 months established checking or savings account
  • 1 Vehicle loan per household
  • Background check will be done
  • Need vehicle to get to from Job/School
  • Fill application out complete to be reviewed
  • Other Conditions may apply
How To Inspect A Used Car Checklist

Wheels 2 Work Loan Recipient 6

Wheels 2 Work Loan Recipient 3

B. Loan Details

  • Minimum Loan $3,000, Maximum Loan $8,000
  • Loan based on Affordability, Term Length, & Sustainability
  • Minimum 24 months Maximum 48 months determined by income
  • 0% Interest Rate
  • Payments taken out via debit/credit with monthly 2.2% +30¢ processing fee
  • 2.5% – 5% down payment to dealer required (based on loan amount & term)
  • Tax Title & License Included in Loan
  • $250 Administrative Fee due at Loan Signing
  • CWCAC is Lien Holder
  • No Private Party Vehicles
  • Monthly Payments average $150-$200
  • Full coverage auto insurance will be required with a minimum of $500 Comp/$500 Collision -2 months insurance paid up front and to be maintained through the entirety of the loan

Eligible Customers are low-income working individuals.
Low-income is defined as individuals whose family income is at or below 150% of the federal poverty level.
Poverty Guidelines
Effective February 1, 2025

Family Size Monthly Annual
1 $1,956.25 $23,475.00
2 $2,643.75 $31,725.00
3 $3,331.25 $39,975.00
4 $4,018.75 $48,225.00
5 $4,706.25 $56,475.00
6 $5,393.75 $64,725.00
7 $6,081.25 $72,975.00
8 $6,768.75 $81,225.00
9 $7,456.25 $89,475.00
10 $8,143.75 $97,725.00
Program Application

Download the fillable application ↑
Email the completed application to kelly@cwcac.org

Wheels 2 Work Online Loan Payment Instructions

  • Click on Please Pay W2W Loan Payment Here
  • Enter amount of car loan payment
  • MAKE SURE YOU CHECK THE BOX “I’D LIKE TO ADD TO MY DONATION TO HELP OFFSET THE COST OF PROCESSING FEES”
  • Click Donate with Pay Pal or Donate with Debit or Credit Card
  • Enter your name and the words W2W payment under Send Optional Note
  • Click the box that says “Share your mailing address with Central Wisconsin Community Action Council Inc. so they can acknowledge
  • Enter your Phone Number & Email Address if asked
  • Click Donate Now
  • Print your receipt