Wheels to Work Car Loans

Wheels-2-Work Car Loan Program

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 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

Wheels 2 Work Loan Recipient 1

0% Interest Auto Loans

These loans are available to income qualifying families and individuals.

  • There is a 5% program loan administration fee, paid by the borrower, at the time of purchase.
  • The buyer is responsible for the tax, title and registration fees.
  • The buyer must provide proof of full coverage insurance.
  • Monthly payments are required.
  • Typical monthly payment is $150.00, until the loan is paid in full.
Wheels 2 Work Loan Recipient 3

Loan Information

  • The average loan & maximum loan is $5,000.00
  • Monthly payments average $150.00 to $175.00 depending on the loan
  • If approved, you will need to pay a 5% administrative fee on your loan
  • You will be required to pay dealer tax, title, license, & loan filing fee
  • Full Coverage Auto Insurance is required for the duration of the loan
  • You will need to provide proof of any and all household income
  • Fill out a 14 page application in full to be reviewed
  • Note a background check and credit check will be done.
Wheels 2 Work Loan Recipient 6

Eligibility

  • Provide proof of (6) consecutive months at same job
  • Need a Vehicle to get to/from your job/school
  • Have a valid driver’s license
  • Provide full coverage insurance the full duration of loan
  • Provide proof of residence at the same address for 1 year
  • Other conditions may apply, depending on your situation
  • Meet Program Income Guidelines (below)

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, 2023

Family Size
 Annual 150% FPL
 150% of HHS FPL
1 $14,580.00 $1,822.50 $21,870.00
2 $19,720.00 $2,465.50 $29,586.00
3 $24,860.00 $3,107.51 $37,290.20
4 $30,000.00 $3,750.00 $45,000.00
5 $35,140.00 $4,392.50 $52,710.00
6 $40,280.00 $5,035.01 $60,420.20
7 $45,420.00 $5,677.50 $68,130.00
8 $50,560.00 $6,320.00 $75,840.00
9 $55,700.00 $6,962.51 $83,550.20
10 $60,840.00 $7,605.00 $91,260.00
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