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ADVOCAP’s Work-N-Wheels Program* assists qualified employed individuals obtain a 0% interest loan to either purchase reliable, affordable transportation or to repair an otherwise dependable vehicle for work related needs. The goal of the program is to enable low-income working participants to maintain or increase their employment. ADVOCAP recognizes that access to affordable transportation can give participants the ability to apply for better paying jobs with benefits, commute to other areas with more employment opportunities, increase employability through education or job training, have a higher quality of life, and become more self-sufficient.

0% Auto Loans

The Work-N-Wheels Auto Loan Program is designed to help income eligible families and individuals to obtain a 0% interest loan to purchase an affordable and dependable pre-owned vehicle from area dealerships in order to commute to their job.

Eligible Applicants: May qualify for a vehicle purchase loan of up to $7,000.

Vehicle Repair

The Work-N-Wheels Vehicle Repair Loan Program enables participants to ensure they have a mechanically reliable vehicle for employment-related needs. ADVOCAP may lend 75% of the cost for necessary repairs up to $1,000 to qualified applicants in order to bring their vehicle to safe working condition.

Under no circumstance will reimbursement be made for repairs that have previously been completed without ADVOCAP'S pre-authorization.

Eligible Applicants: May qualify for a repair loan of up to $1,000 annually.

Qualifications for Auto Loans and Vehicle Repair Loans

  • Must live in Calumet, Green Lake, Fond du Lac, or Winnebago Counties
  • Must be currently and continuously employed for three months and working at least 20 hours per week
  • Must possess a valid Wisconsin driver's license
  • Must demonstrate ability to repay the loan
  • Must meet income and program guidelines
  • Down payment and 5% loan administration fee required

*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)

Funds for Fines

Funds for Fines is a loan program offered by ADVOCAP that is meant to help low-income drivers to drive legally and responsibly by reinstating their driving privileges. Funds for Fines loans are intended for individuals whose fines are due to traffic and/or parking citations that have resulted in suspension or revocation of driver's license or vehicle registration. The loan must be enough to reinstate the applicant’s driving privileges. Funds for Fines will not provide loans for applicants whose citations are due to risky behavior such as driving while intoxicated or hit and run.

Eligible Applicants: May qualify for a loan amount between $100-$550.

Local Partners

  • United Way 2-1-1 Information and Referral
  • FISC- Budget Counseling & Debit Reduction
  • Green Lake Department of Health and Human Services
  • Oshkosh Area Community Foundation
  • Winnebago County Department of Human Services
  • Winnebago County Housing Authority
  • LEAVEN, Inc
  • Calumet County Department of Human Services
  • Green Lake Transportation Coordinator
  • Christine Ann Domestic Abuse Center
  • Go Transit
  • Department of Veteran's Affairs
  • Goodwill
  • Fond du Lac Transit

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