Work-n-Wheels Auto Loan Program
The Work-n-Wheels auto loan program provides vehicle purchase and repair loans to low-income families and individuals. This program may be for you if you have poor or no credit.
Vehicle Purchase Loans
Maximum loan amount = $8,000
Minimum monthly loan payment = $150
Vehicle Repair Loans
Maximum loan amount = $2,500
Minimum monthly loan payment = $75
Initial Costs
These are no-interest loans with a 5% administrative fee paid when signing the loan.
Clients approved for vehicle purchase loans must pay the vehicle's tax, title, license, and service fees. These costs are estimated to be approximately $100 for every thousand dollars.
| Loan Amount | 5% Admin Fee | Estimated Tax, Title, License, & Service Fees |
|---|---|---|
| $2,500 | $125 | $250 |
| $4,000 | $200 | $400 |
| $8,000 | $400 | $800 |
Apply for a Loan
Apply for a Work-n-Wheels loan in three easy steps:
- Complete the Work-n-Wheels intake form.
- Provide proof of your employment - the easiest way to provide this information is with paycheck stubs from the previous two months and a paycheck stub that is 90+ days old. If you cannot 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 pay rate.
- Mail or fax all proof of your employment to one of our offices:
Western Dairyland
ATTN: Work-n-Wheels
418 Wisconsin Street
Eau Claire WI 54703
Fax: 1-715-836-7580Western Dairyland
ATTN: Work-n-Wheels
23122 Whitehall Road
Independence, WI 54747
Fax: 1-715-985-3239
Income Eligibility
Updated April 2025
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 |
|---|---|
| 1 | $1,956.26 |
| 2 | $2,643.75 |
| 3 | $3,331.25 |
| 4 | $4,018.76 |
| 5 | $4,706.25 |
| 6 | $5,393.75 |
| 7 | $6,081.26 |
| 8 | $6,768.75 |
Program Eligibility
- Loans are available to residents of Buffalo, Jackson, Eau Claire, and Trempealeau counties.
- Applicants must be employed for 90 days with the same employer before applying, and the vehicle must be needed to get to work.
- Applicant must be 18 and have a valid Wisconsin driver's license.
- Applicant must provide proof of full coverage insurance before receiving the loan.
- Applicant must not have any pending payday or auto title loans.
- There have been 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 monthly payment plan must be in writing.
- Before receiving the loan, applicants must complete a financial education class 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. Learn more about Rideshare.
- Further restrictions may apply. Each applicant will be assessed on a case-by-case basis.