About Capitol Auto Credit

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We Specialize in Second Chances
At Capitol Auto Credit, the car you want is here with financing for people with challenged credit. Even if you have no credit or have dealt with a bankruptcy or divorce, your job is your credit. In most cases, if you have a steady employment history, we can help you get approved for financing. We report to the credit bureau to help you get back on the right track. Together, we can help you find a clean, dependable used car and rebuild your credit.

Home of the Low Down Payment
We don’t ask for an arm and a leg for your down payment. We ask for a small down payment that working people can afford. And we have a great selection of cars for as low as $99 down*.

Committed to Our Customers and our Community
We have a partnership with our customers. We have never used “shut-off” devices because we don’t believe that is how business partners should treat each other. We are proud that annually 60-70% of our sales are to repeat and referred customers. That kind of customer loyalty is evidence of our commitment to treating our customers with respect and fairness.

Our Company
Capitol Auto Credit has been in business since 1989 and has been committed to an honest and approachable atmosphere. Capitol Auto Credit is a buy here pay here dealer who is focused on the future of our customers, not their past. Every sale is made on a personal level in a no-hassle environment. Feel free to browse our current inventory at your leisure. If we can be of any additional assistance don’t hesitate to contact one of our friendly staff.

What Our Customers Say

Terri B.

Terri B.
Janesville, WI

Without you approving me for my van loan, I would not have been able to keep my job. It is tough to rebuild credit if no one will take a chance on you...

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Frequently Asked Questions

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I've had a (Bankruptcy/Repossession/ Divorce/Bad Credit). Can I still get approved?

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Contact Us

Capitol Auto Credit3100 E Washington AveMadison, WI 53718608-246-3624