Three things you'll need to bring to complete an application with Capitol Auto Credit

When customers come to our offices, we usually ask to see three items before we set about completing an application. Having these three things ready when you arrive will greatly increase your chances of getting an approval. So please, make sure you have these things before you stop by!

1. Your Wisconsin Driver's License. We need to verify your identity. We also need to make sure you're able to drive off the lot with our vehicles if we sell you one today. So please, bring in your WI driver's license -- and if you don't have one, get yours as soon as possible. Here's a fast way to search for the nearest DMV in your area.


2. Your most recent pay stubs or proof of income. We need to make sure you're earning enough income to sustain a vehicle. This isn't just because we want to get your money -- it's for your benefit. We want to sell you a car that won't ruin the lifestyle you currently live. In other words, buying a car shouldn't mean changing the way you buy groceries, pay for rent, etc. We'll do our best to get you into a vehicle. But we won't put you into one that you can't afford -- having your pay stubs on hand helps us to keep that promise.


3. Proof of residence. We need to know what your address is so that if we need to, we can send you important documents or otherwise get in touch with you. Bring in a lease, a bill, or anything else that's official with your name and address on it.

If you have any questions about these three items, please feel free to simply ask us. You can call us at 608-246-3624 during our regular office hours. 

Customers ask us: “What do I need for a down payment?”

One of the biggest questions we get at Capitol Auto Credit is about the down payment for a particular vehicle.

During the application process, customers often ask us straight up: “What do I need to put down?”

The answer to that: It Depends!

Here are the nuts and bolts:

There are several factors that go into deciding what the down payment for a vehicle will be. Some of those factors include the price of the vehicle itself as well as the strength of the application being completed.

There are occasions when an applicant’s background is so strong that we’ll even offer a vehicle loan with no down payment at all!

But putting a small down payment on a vehicle now will help you in the long-run in terms of the overall loan.

Keep in mind that higher down payments mean a greater selection for you to choose from on our lot. A higher down payment will also result in you having a stronger application approval overall, which will lower your total payments in the end.

We advertise that $99 and a job (plus taxes and title fees) can get you a car at Capitol Auto Credit, subject to approval. We’d love to get you into a car that you’d like, and sometimes that requires a bit of a higher down payment.

Whatever the case may be, we're always open to discussing it with you, in person, over the phone or in online chat at www.capitolautocredit.net.

For more answers to your down payment questions, please call us at (608) 246-3624.

Thanking our customers...

We made a video recently featuring many of our recent customers. We thank you for your current business, and hope to work with you in the future.