Wheels-2-Work Car Loan Program

Wheels-2-Work Car Loan Program is sponsored by CWCAC. Provides 0% interest auto loans to income-eligible families and individuals in Adams, Columbia, Dodge, Jefferson, Juneau, and Sauk counties in Wisconsin.

Wheels 2 Work Car Loans | CWCAC. ORG Wheels 2 Work Car Loans CWCAC 2026-07-09T13:43:06-05:00 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 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) These loans are available to income qualifying families and individuals. 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 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 Minimum Loan $3,000, Maximum Loan $8,000 Loan based on Affordability, Term Length, & Sustainability Minimum 24 months Maximum 48 months determined by income 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 No Private Party Vehicles Monthly Payments average $150-$200 Full coverage auto insurance will be required with a maximum deductible amount 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. Effective February 1, 2026 Download the fillable application ↑ Email the completed application to kelly@cwcac. org Reliable transportation can be the difference between keeping a job or falling behind.

The Wheels 2 Work Program helps individuals and families overcome transportation barriers so they can continue working, caring for their families, and building stability. You can help by donating practical vehicle-related items through our Walmart Spark Good Registry. Every donation helps keep someone safe and on the road.

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