JUMPSTART
AFFORDABLE CAR LOAN PROGRAM

Service Description:
  • Help low-income individuals or families purchase late-model, fuel-efficient vehicles.
  • Access to a low-interest, 60-month auto Loan through WESTconsin Credit Union
  • West CAP will provide $1,000 toward the purchase price of the vehicle
  • Counties served; Barron, Chippewa, Dunn, Pepin, Pierce, Polk, and St. Croix
Eligibility:
  • Must have an income that will support;
    • Loan payment
    • Full coverage insurance
    • $50 per month into an Individual Maintenance Account (IMA)
  • Provide 5% down payment at loan closing
  • Provide $500 to deposit into an IMA at loan closing
  • At or below 80% CMI annual gross (before taxes or other deductions);

County

Household
size – 1

2

3

4

5

6

7

8

9

Barron

$53,760

$61,440

$69,120

$76,800

$82,960

$89,120

$95,280

$101,440

$107,520

Chippewa

$56,800

$64,880

$72,960

$81,040

$87,600

$94,080

$100,560

$107,040

$113,520

Dunn

$56,400

$64,480

$72,560

$80,560

$87,040

$93,520

$99,920

$106,400

$112,800

Pepin

$53,760

$61,440

$69,120

$76,800

$82,960

$89,120

$95,280

$101,440

$107,520

Pierce

$73,680

$84,160

$94,720

$105,200

$113,680

$122,080

$130,480

$138,880

$147,280

Polk

$54,800

$62,640

$70,480

$78,240

$84,560

$90,800

$97,040

$103,280

$109,600

St. Croix

$73,680

$84,160

$94,720

$105,200

$113,680

$122,080

$130,480

$138,880

$147,280
How to Apply:

West CAP launched the JumpStart program in 2000 to help low-income working families acquire late-model, fuel-efficient cars. Transportation continues to be a necessity for low-income individuals and families to get to work, see a doctor, or pick up groceries, especially in our largely rural service area.

The JumpStart program continues today in the form of helping eligible drivers get an affordable car loan from WESTconsin Credit Union to purchase a reliable car that meets their transportation needs.

Photo of a participant with their new car

What’s the Process?

  1. Fill out a JumpStart Program Application by following the link below, which is also your loan application for WESTconsin Credit Union.  Mail your completed application to West CAP at PO Box 308, Glenwood City, WI, or email the completed PDF to westcap@wcap.org.
  2. If approved by WCU, go out and find a car you like that meets the following affordability criteria:
    • EPA rated at 30 mpg+ hwy
    • 100,000 miles or less on the odometer
    • Dealership must have a 30 day+ warranty or be Certified Pre-Owned, and have a clean CARFAX report
    • Vehicle is 12 years old or newer
    • West CAP approves the car
  3. Pick up the loan check at WCU as you pay your 5% down payment to WCU and provide your $500 to your IMA account (these funds shall only be used for necessary maintenance expenses or other allowable costs, as approved by West CAP, on Owner’s JumpStart Vehicle).
  4. Go pick up your new car!
Photo of participant signing documents

HOW TO APPLY:

715-598-4750

Call

OR

Download the Application

and submit a PDF of your completed application form to westcap@wcap.org.

Questions about our other services? Email info@wcap.org.