Wisconsin Consumer Credit
Wisconsin Consumer Credit is a privately held, indirect auto lender founded in 2009 that originates loans for fair-to-good-credit consumers through a vetted network of 17+ franchised and independent dealerships in Wisconsin and Iowa.
- Company typePrivate
- Founded2009
- HeadquartersSheboygan, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Wisconsin Consumer Credit does
Wisconsin Consumer Credit, Inc. (WCC) is a privately held, indirect automotive finance company founded in 2009 and headquartered in Sheboygan, Wisconsin. The company originates auto loans for consumers with fair to good credit through a vetted network of 17+ franchised and independent dealership partners concentrated in eastern Wisconsin and, more recently, Iowa (Ford Chevrolet of Newhall). Its product portfolio extends beyond standard auto purchase financing to include buyback/lemon law financing, 90-day test drives, pre-owned leases, bridge loans, service financing, van upfits, and vehicle accessories. The company also operates rental payment processing and debt collection services, the latter as a captive arm for its own receivables.
WCC's operating technology is conventional and partner-dependent rather than proprietary: online application and calculator tools sit on its website, payment processing runs through integrations with PayNearMe (mobile/online ACH/debit and cash at 31,000+ retail locations) and Repay (EBPP), and underwriting/reporting relies on bureau integrations with TransUnion, Experian, and Equifax. There is no disclosed AI/ML, SDK, or API product surface. The company holds no patents or trademarks, has no subsidiaries or parent, and is privately held with no disclosed institutional investment.
Revenue mechanics are interest-driven on originated auto loans with terms typically of 4–6 years, simple interest calculated on outstanding principal, and monthly billing. Pricing is risk-tiered by credit score from sub-prime to super-prime. Customer acquisition is predominantly through dealer partner referrals supplemented by organic website/SEO and earned reputation (55 Google reviews, good rating, with notable repeat-customer testimonials). Geographic footprint is limited to Wisconsin and Iowa, with no disclosed plans for broader expansion.
Wisconsin Consumer Credit firmographics
Firmographics- Name
- Wisconsin Consumer Credit
- Legal name
- Wisconsin Consumer Credit, Inc.
- Website
- https://wiconsumercredit.com
- Company type
- Private
- Founded year
- 2009
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Wisconsin Consumer Credit is a privately held, indirect auto lender founded in 2009 that originates loans for fair-to-good-credit consumers through a vetted network of 17+ franchised and independent dealerships in Wisconsin and Iowa.
- Ownership category
- akta.pro rank
Wisconsin Consumer Credit industry classification
Industry- Product category
- Consumer Auto Finance
- NAICS
- Sales Financing (522220), Sales Financing (52222), Consumer Lending (522291)
- SIC
- Personal Credit Institutions (6141), Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- New & Used Auto Purchase Loans (FSAKADAA)
- akta.pro secondary industry
- Retail Credit (Closed-End) & Promotional Financing (0%/Deferred Interest) (FSAKAFAF)
Keywords
Where Wisconsin Consumer Credit is headquartered
LocationHeadquarters
- HQ city
- Sheboygan
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Wisconsin Consumer Credit business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales
Revenue model
- Auto Loan Interest: The company originates auto loans and earns revenue through interest charged on financed vehicles. As an indirect lender, they work with dealership partners to provide financing to consumers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Auto financing for fair to good credit |
Go-to-market motion2 records
Distribution channels1 record
Marketing channels3 records
Wisconsin Consumer Credit product offering
Product offeringCore offering
Wisconsin Consumer Credit is an indirect auto lender that originates vehicle loans for consumers with fair to good credit through a network of vetted franchised and independent dealerships across Wisconsin and Iowa. The company also provides rental payment processing services and debt collections, and offers specialized financing products including buyback/lemon law vehicle financing, 90-day test drives, pre-owned leases, bridge loans, service financing, van upfits, and vehicle accessories financing.
Product overview
Wisconsin Consumer Credit is an automotive finance company offering a unified suite of financing and payment services. The core offerings include auto financing for customers across credit tiers (as an indirect auto lender partnering with vetted dealerships), rental payment services, and debt collections. The company provides multiple specialized financing modules including Buyback Financing, Service Financing, 90-Day Test Drive, Pre-Owned Lease, Bridge Loan, Van Upfits, and Vehicle Accessories. Supporting these, they offer an Auto Loan Calculator for affordability assessment and multi-channel Payment Services via mobile, online, cash locations, and check options. The product portfolio operates as an integrated ecosystem where financing applications flow through partnered dealerships while payment processing and account management are handled through dedicated portals.
Differentiator
Problem solved
Functional benefit
Products and services
- Auto Financing Indirect automotive financing for consumers with fair to good credit, originated through 17+ vetted dealership partners across Wisconsin and Iowa. Loan terms typically run 4 to 6 years with credit-tier-based simple interest pricing.
- Buyback Financing Financing for manufacturer buyback vehicles including lemon law repurchases and goodwill gestures, providing customers access to vehicles with significant hidden value.
- Pre-Owned Lease Lease program for pre-owned vehicles structured like new leases, with payments based on the difference between sales price and residual value.
- Bridge Loan Short-term financing to bridge gaps between loans or leases for customers who are between vehicles due to insurance claims or lease endings.
- Payment Services Multi-channel payment processing allowing customers to pay auto loan and rental obligations via mobile app, online (debit or ACH one-time or recurring), cash at 31,000+ retail locations, or check.
- Rental Payment Services Rental payment processing service for customers, with online payment portal access powered by the Repay EBPP platform.
- Debt Collections Debt collections center handling account balance, payment history, and account activity for customers with WCC financing arrangements.
Companies that use Wisconsin Consumer Credit
Customer profileSegments2 records
Ideal customer profiles2 records
Wisconsin Consumer Credit technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature3 records
Wisconsin Consumer Credit partnerships and signals
Strategic signalPartnerships
19 partnerships are on record, tiered core.
- Chevrolet of PlymouthcoreFranchised Chevrolet dealership partner. Finance contact: 920-893-6361. Customers can apply for Wisconsin Consumer Credit financing directly through this dealership location.
- Chrysler Dodge Jeep Ram Fiat of PlymouthcoreFranchised Chrysler Dodge Jeep Ram Fiat dealership partner. Finance contact: 920-893-6591. Provides financing application services for customers.
- Chrysler Dodge Jeep Ram of ManitowoccoreFranchised Chrysler Dodge Jeep Ram dealership partner. Finance contact: 920-684-5588. Customers can apply for Wisconsin Consumer Credit financing at this location.
- Chrysler Dodge Jeep Ram of StoughtoncoreFranchised Chrysler Dodge Jeep Ram dealership partner. Finance contact: 608-873-5621. Provides auto financing application services.
- Ford Chevrolet of NewhallcoreFranchised Ford and Chevrolet dealership partner in Iowa. Finance contact: 319-223-5141. Offers Wisconsin Consumer Credit financing options.
- Ford of LomiracoreFranchised Ford dealership partner. Finance contact: 920-269-7500. Provides financing application services for vehicle purchases.
- Ford of OconomowoccoreFranchised Ford dealership partner. Finance contact: 262-567-5574. Customers can access Wisconsin Consumer Credit financing options.
- Ford of SheboygancoreFranchised Ford dealership partner. Finance contact: 920-458-6111. Offers Wisconsin Consumer Credit auto financing.
- Hyundai of Fond du LaccoreFranchised Hyundai dealership partner. Finance contact: 920-924-0000. Provides financing application services.
- Hyundai of SheboygancoreFranchised Hyundai dealership partner. Finance contact: 920-457-3608. Offers Wisconsin Consumer Credit financing.
- Kia of SheboygancoreFranchised Kia dealership partner. Finance contact: 920-458-6111. Customers can apply for financing at this location.
- Mazda of SheboygancoreFranchised Mazda dealership partner. Finance contact: 920-783-6223. Offers Wisconsin Consumer Credit auto financing.
- Nissan of SheboygancoreFranchised Nissan dealership partner. Finance contact: 920-457-8844. Provides financing application services.
- Nissan of Stevens PointcoreFranchised Nissan dealership partner. Finance contact: 715-254-0200. Offers Wisconsin Consumer Credit financing.
- Volkswagen of SheboygancoreFranchised Volkswagen dealership partner. Finance contact: 920-457-8844. Customers can apply for financing at this location.
- Budget Auto of PlymouthcoreIndependent used car dealership partner. Finance contact: 920-893-0311. Offers Wisconsin Consumer Credit financing options for pre-owned vehicles.
- Latino of MilwaukeecoreIndependent dealership partner. Finance contact: 414-434-9141. Provides financing application services for customers.
- PayNearMecorePayment technology platform enabling customers to make auto loan and rental payments via mobile, online (debit/ACH one-time or recurring), or cash at 31,000+ retail locations nationwide. Provides branded payment app on Apple App Store and Google Play.
- RepaycoreElectronic bill presentment and payment (EBPP) platform provider. Powers the Auto Payment and Rental Payment portals on the company's website. Enables online payment processing.
Scale indicators4 records
Recent moves6 records
Expansion highlights4 records
Wisconsin Consumer Credit competitors and assessment
Company assessmentDirect peers
- Westlake Financial: Indirect subprime auto lender operating through a large U.S. dealership network with proprietary servicing and collections. Comparable to WCC in target borrower segment (subprime/near-prime), indirect dealer-originated model, and reliance on interest spread from installment contracts.
- Credit Acceptance Corp: Public indirect auto lender specializing in subprime and near-prime credit through a nationwide dealership network. Most directly comparable to Wisconsin Consumer Credit in business model (indirect origination via dealers, focus on credit-challenged borrowers, interest income from installment contracts).
- DriveTime Automotive Group: Vertically integrated subprime auto dealer and finance company combining dealership operations with in-house financing for credit-challenged buyers. Comparable to WCC's fair-to-good credit specialization and integrated finance-plus-service offering.
- Exeter Finance: Private indirect auto lender focused on non-prime credit through dealership partners across the U.S. Closely comparable to WCC's model of partnering with franchised and independent dealers to originate installment loans to fair-to-good credit borrowers.
- Consumer Portfolio Services: Public indirect auto finance company specializing in subprime credit through franchised and independent dealers. Directly comparable to WCC in dealer-channel origination, near-prime/subprime borrower focus, and installment loan revenue model.
Broad incumbents
- GM Financial: Captive auto finance arm of General Motors offering loans and leases through GM dealerships, with growing presence in used-vehicle and non-prime financing. Comparable dealer-channel model but backed by an OEM and operates nationally.
- Ally Financial: Large diversified consumer and commercial bank with one of the largest U.S. auto finance portfolios serving prime and near-prime borrowers through dealer relationships. Broad incumbent that overlaps with WCC's indirect auto lending model but at much greater scale and credit quality.
- Capital One Auto Finance: Major national auto lender financing new and used vehicles through dealer partnerships across the credit spectrum. Comparable to WCC in dealer-channel origination but operates at far larger scale and broader geographic reach.
- CarMax Auto Finance: Captive finance arm of CarMax offering used-vehicle financing across the credit spectrum through CarMax stores. Comparable to WCC in providing near-prime and subprime auto credit but operates at significantly larger scale with a national retail footprint.
Emerging players
- Carvana: Online used-vehicle retailer that provides its own in-house financing, including near-prime and subprime tiers, through a digital-first channel. Comparable to WCC in serving credit-challenged buyers but competes via direct-to-consumer model rather than dealer partnerships.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks3 records
Customer concentration
Wisconsin Consumer Credit social profiles
Digital presenceWisconsin Consumer Credit compliance and trust
Trust signalCompliance2 records
Wisconsin Consumer Credit financial estimates
Financial estimateRevenue estimate
Valuation estimate
Wisconsin Consumer Credit leadership team
Management profileNumber of profiles
Wisconsin Consumer Credit funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Wisconsin Consumer Credit M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Wisconsin Consumer Credit
What does Wisconsin Consumer Credit do?
Wisconsin Consumer Credit is an indirect auto lender that originates vehicle loans for consumers with fair to good credit through a network of vetted franchised and independent dealerships across Wisconsin and Iowa. The company also provides rental payment processing services and debt collections, and offers specialized financing products including buyback/lemon law vehicle financing, 90-day test drives, pre-owned leases, bridge loans, service financing, van upfits, and vehicle accessories financing.
Is Wisconsin Consumer Credit a public or private company?
Wisconsin Consumer Credit is a private company. It is classified as unknown and is currently operating.
When was Wisconsin Consumer Credit founded?
Wisconsin Consumer Credit was founded in 2009. It employs 1 to 10 people.
Where is Wisconsin Consumer Credit based?
Wisconsin Consumer Credit is headquartered in Sheboygan, United States, in the North America region.
How does Wisconsin Consumer Credit make money?
One revenue line is on record: auto Loan Interest.
Who are Wisconsin Consumer Credit's main competitors?
Direct peers on record are Westlake Financial, Credit Acceptance Corp, DriveTime Automotive Group, Exeter Finance and Consumer Portfolio Services. Broad incumbents are GM Financial, Ally Financial, Capital One Auto Finance and CarMax Auto Finance. Carvana is listed as an emerging player.
Does Wisconsin Consumer Credit have an API?
No public API is recorded for Wisconsin Consumer Credit.
What industry is Wisconsin Consumer Credit in?
Wisconsin Consumer Credit's product category is Consumer Auto Finance. Its primary akta.pro industry code is FSAKADAA, New & Used Auto Purchase Loans, with a secondary code of FSAKAFAF, Retail Credit (Closed-End) & Promotional Financing (0%/Deferred Interest). Its NAICS code is 522220 and its SIC code is 6141.