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 (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

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.

Loan Information

  • The average loan & maximum loan is $8,000.00
  • Monthly payments average $150.00 to $190.00 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.

Eligibility

  • Provide proof of (6) consecutive months at same job at a minimum of 30 hrs. per week
  • No OWI/DUI within the last 5 years
  • 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, 2024

Family Size
Annual 150% FPL
150% of HHS FPL
1 $15,060.00 $1,822.50 $22,590.00
2 $20,440.00 $2,555.00 $30,660.00
3 $25,820.00 $3,227.50 $38,730.00
4 $31,200.00 $3,900.00 $46,800.00
5 $36,580.00 $4,572.50 $54,870.00
6 $41,960.00 $5,245.00 $62,940.00
7 $47,340.00 $5,917.50 $71,010.00
8 $52,720.00 $6,590.00 $79,080.00
9 $58,100.00 $7,262.50 $87,150.00
10 $63,480.00 $7,935.00 $95,220.00

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