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

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, 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
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