We are currently accepting applications and approving loans. If you have any questions, please call us at 715-985-2391 ext. 1216.

The Work-n-Wheels auto loan program is designed to help low-income families and individuals obtain affordable and dependable vehicles. If you have poor credit or no credit, this program may be for you.

The maximum amount loaned is $4,000. This is a no-interest loan with a 5% administrative fee paid at the time of loan signing. Monthly loan payments are set at $150 for all loans.

Program Eligibility

  • Loans are available to residents of Buffalo, Jackson, Eau Claire and Trempealeau counties.
  • Applicants must be employed for 90 days before applying and the vehicle must be needed to get to work.
  • Applicant must be 18 and have a valid Wisconsin driver license.
  • Applicant must provide proof of full coverage insurance prior to receiving the loan.
  • Applicant must not have any pending payday or auto title loans.
  • No outstanding civil judgments within the past year. If there is a civil judgment, there must be a payment arrangement in writing.
  • All legal fines must be paid or a payment plan must be in writing for monthly payments.
  • Prior to receiving the loan, applicants are required to complete 3 one-hour financial education classes provided by Western Dairyland.
  • The Work-n-Wheels program requires participants to register for carpooling via the Wisconsin Rideshare program. If you are approved for a Work-n-Wheels loan you will be asked to register for this program. More information is available at
  • Further restrictions may apply. Each applicant will be assessed on a case-by-case basis.

Initial Costs

Clients who recieve a $4,000 loan will be required to pay two up-front costs. The 5% administrative fee of $200, and tax, title and registration fees of $374.50. Costs will vary depending on the size of the loan.

Income Eligibility

To be eligible for this program, the applicant's household income must be at or below the following levels:

Family Size

Monthly Income Before Taxes


















Apply for a Work-n-Wheels loan in three easy steps:

1. Print out and complete an application (7 pages).
Work-n-Wheels Application

2. Provide proof of your employment - the easiest way to provide this information is with a current paycheck stub and a paycheck stub from 90 days ago. If you are unable to provide paycheck stubs, we will accept a letter from your employer verifying the length of your employment, the number of hours worked each week, and your rate of pay.

3. Mail or fax all 7 pages of the completed application and proof of your employment to one of our offices:

Western Dairyland
Attn: Work-n-Wheels
418 Wisconsin Street
Eau Claire WI 54703
Fax: 1-715-836-7580

Western Dairyland
Attn: Work-n-Wheels
23122 Whitehall Road
P.O. Box 125
Independence, WI 54747
Fax: 1-715-985-3239

Our offices are open 8 am to 4:30 pm, Monday through Friday.

715-985-2391 ext. 1216

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