Section 1 - Party Identification
WISCONSIN VEHICLE PURCHASE AGREEMENT
Date of Agreement: [[Date of Agreement]]
SELLER (Dealer or Private Party)
Name / Dealership Name: [[Seller Full Legal Name or Dealership Name]]
Dealer License Number (if dealer): [[Wisconsin Dealer License Number - or "N/A - Private Sale"]]
Address: [[Seller Street Address]], [[Seller City]], Wisconsin [[Seller ZIP Code]]
Phone: [[Seller Phone Number]]
Email: [[Seller Email Address]]
BUYER
Name: [[Buyer Full Legal Name]]
Address: [[Buyer Street Address]], [[Buyer City]], Wisconsin [[Buyer ZIP Code]]
Phone: [[Buyer Phone Number]]
Email: [[Buyer Email Address]]
Driver's License Number / State: [[Buyer Driver's License Number]] / [[Issuing State]]
Section 2 - Vehicle Description
| Field | Details |
|---|
| Year | [[Vehicle Year]] |
| Make | [[Vehicle Make]] |
| Model | [[Vehicle Model]] |
| Trim / Body Style | [[Vehicle Trim and Body Style]] |
| Exterior Color | [[Vehicle Exterior Color]] |
| Interior Color | [[Vehicle Interior Color]] |
| VIN (17 Characters) | [[Vehicle Identification Number]] |
| License Plate (if transferring) | [[Current License Plate Number - or "N/A"]] |
| Current Odometer Reading | [[Current Odometer Reading]] miles |
| Title Number | [[Existing Title Number]] |
| Title-Issuing State | [[Title-Issuing State]] |
Section 3 - Itemized Purchase Price
| Item | Amount |
|---|
| Cash Sale Price (before adjustments) | $[[Cash Sale Price]] |
| Trade-In Vehicle Allowance (credit) | - $[[Trade-In Allowance - or "0.00"]] |
| Trade-In Payoff Amount (if financed trade-in) | + $[[Trade-In Payoff Amount - or "0.00"]] |
| Dealer Documentation / Preparation Fee | $[[Dealer Doc Fee Amount - or "N/A"]] |
| Dealer Accessories / Add-Ons | $[[Accessories and Add-Ons Total - or "0.00"]] |
| Extended Warranty / Service Contract | $[[Extended Warranty Amount - or "0.00"]] |
| GAP Insurance (if applicable) | $[[GAP Insurance Amount - or "0.00"]] |
| Other Fees / Charges | $[[Other Fees Description and Amount - or "0.00"]] |
| Subtotal (before tax and government fees) | $[[Subtotal Before Tax]] |
| Wisconsin State Sales Tax (5%) | $[[Wisconsin State Sales Tax Amount]] |
| County Sales/Use Tax | $[[County Tax Amount]] |
| Local/Municipal Tax (if any) | $[[Local Tax Amount - or "0.00"]] |
| Wisconsin Title Fee | $[[Title Fee]] |
| Wisconsin Registration / Plate Fee | $[[Registration and Plate Fee]] |
| Other Government Fees | $[[Other Government Fees - or "0.00"]] |
| Total Amount Due | $[[Total Amount Due]] |
| Less: Deposit / Down Payment Paid | - $[[Deposit and Down Payment Amount - or "0.00"]] |
| Balance Due at Signing / Delivery | $[[Balance Due at Signing]] |
> Note on Wisconsin Motor Vehicle Taxes: Wisconsin collects a 5% state sales tax on the purchase price of motor vehicles, plus county and local taxes that vary by the buyer's county and municipality of residence. The Motor Vehicle Purchase Contract itemizes state, county, and local components separately. Verify exact rates for the transaction county using the Wisconsin Department of Revenue Sales Tax Rate Chart at time of sale.
> Note on Dealer Documentation Fee: Wisconsin does not impose a statutory dollar cap on dealer documentation or preparation fees. Fees must be disclosed and are subject to Wisconsin consumer protection statutes. Buyers should negotiate and confirm all fees prior to signing.
Section 4 - Payment Method
Select one:
- Cash / Certified Check / Wire Transfer - Full balance of $[[Total Amount Due]] due at time of delivery.
- Dealer-Arranged Financing - See Section 5 (TILA Financing Disclosure) for complete terms.
- Outside / Third-Party Financing - Buyer has arranged financing through [[Buyer's Lender Name]]. Loan approval letter required prior to delivery. Lender's lien will be noted on title.
- Other: [[Describe Payment Method]]
Section 5 - Financing Disclosure (Truth in Lending Act - TILA / Regulation Z)
Complete this section only if the dealer is arranging or extending credit (retail installment sale). If paying cash or using outside financing, mark "N/A" and skip to Section 6.
> Federal Law Disclosure (15 U.S.C. § 1601; Regulation Z, 12 C.F.R. Part 1026): When a dealer extends credit or arranges a retail installment sale, the following disclosures are required by the Truth in Lending Act before the buyer signs.
| TILA Term | Amount or Rate |
|---|
| Annual Percentage Rate (APR) | [[APR]]% per year |
| Finance Charge (total cost of credit in dollars) | $[[Finance Charge]] |
| Amount Financed (net credit extended) | $[[Amount Financed]] |
| Total of Payments (sum of all scheduled payments) | $[[Total of Payments]] |
| Total Sale Price (total cost including down payment) | $[[Total Sale Price]] |
Payment Schedule:
| Number of Payments | Payment Amount | Payment Frequency | First Payment Due |
|---|
| [[Number of Monthly Payments]] | $[[Monthly Payment Amount]] | Monthly | [[First Payment Due Date]] |
Security Interest: The seller/lender retains a security interest in the vehicle described in Section 2 until all amounts are paid in full. The lien will be noted on the Wisconsin certificate of title.
Prepayment: The buyer [ ] may / [ ] may not pay the balance before it is due without penalty. If the buyer prepays, the buyer [ ] will / [ ] will not be entitled to a refund of part of the finance charge.
Late Charge: If a payment is more than [[Late Payment Grace Period (days)]] days late, the buyer will be charged $[[Late Fee Amount]] or [[Late Fee Percentage]]% of the overdue payment, whichever is greater.
> These figures are estimates if the loan has not been finally approved. Final TILA disclosures will be provided on the Retail Installment Sale Contract (RISC) at time of signing, which forms part of this agreement.
Section 6 - Federal and Wisconsin Odometer Disclosure
> Federal Odometer Act (49 U.S.C. § 32705; 49 C.F.R. Part 580) and Wis. Stat. § 342.155: Federal and Wisconsin law require the seller to disclose the vehicle's mileage upon transfer of ownership. The odometer reading must be provided to the buyer before sale. Providing a false statement may result in civil penalties and criminal penalties including fines and imprisonment. Wisconsin dealers must allow prospective purchasers to inspect the prior owner's odometer disclosure statement (typically on the title or separate conforming statement) before the sale. Dealers must also provide the name and address of the most recent titled owner upon request per Wis. Stat. § 218.0146(2).
Vehicle Identification Number (VIN): [[Vehicle Identification Number]]
Current Odometer Reading: [[Current Odometer Reading]] miles (no tenths)
Odometer Status (check one):
- Actual mileage - I certify the odometer reading is the actual mileage the vehicle has been driven.
- Exceeds mechanical limits - The odometer has reached its maximum and rolled over; the true mileage is unknown.
- Not actual mileage - The odometer reading is not the actual mileage (warning sticker or prior disclosure applies); true mileage unknown.
Seller Certification: I certify under penalty of law that the information provided is true and correct to the best of my knowledge.
Seller Signature: _______________________________ Date: [[Date]]
Printed Name: [[Seller Printed Name]]
Buyer Acknowledgment: I have been shown and have read the odometer disclosure. I understand that the odometer reading may not reflect the actual mileage if the status above is not "Actual mileage."
Buyer Signature: _______________________________ Date: [[Date]]
Section 7 - As-Is / Warranty Disclosure
The vehicle is sold:
- AS IS - NO WARRANTY (most common for used vehicles sold by dealers or private parties). Seller makes no warranties, express or implied, including but not limited to the implied warranties of merchantability or fitness for a particular purpose. Buyer accepts the vehicle in its present condition after having had the opportunity to inspect it or have it inspected by a mechanic of Buyer's choice.
- With Limited Warranty: [[Describe warranty terms, duration, covered components, or "N/A"]]
- With Extended Service Contract: [[Provider, term, coverage summary - or "N/A"]]
Buyer initials to acknowledge: [[Buyer Initials]] ______
> Under Wisconsin law, "as is" sales are permitted but must be conspicuous. Federal Used Car Rule requires the Buyers Guide window sticker on dealer sales of used vehicles.
Section 8 - Title, Registration and Transfer Obligations
Seller shall deliver good and marketable title free of liens (except any lien disclosed and to be paid from proceeds) and execute all documents required by the Wisconsin Department of Transportation (WisDOT) and county for transfer of title and registration.
Buyer is responsible for:
- Paying all applicable title, registration, and sales/use tax at time of titling.
- Completing any required safety/emissions inspection if applicable in the county of registration.
- Applying for title and registration within the time required by law (typically 30 days or as posted by WisDOT) to avoid penalties.
Seller shall provide:
- Signed title or proper assignment/reassignment.
- Odometer disclosure completed as required.
- Any other documents required (bill of sale copy, lien release if applicable).
DMV/County processing notes: [[County or DMV specific instructions or "Standard WisDOT title application MV1/MV11 process applies"]]
Section 9 - Representations and Conditions
Seller represents:
- Seller is the lawful owner or has authority to sell.
- The vehicle is free of undisclosed liens, encumbrances, or salvage/rebuilt branding except as disclosed: [[Disclosed Liens, Salvage, Flood, or "None"]].
- All known material defects have been disclosed to Buyer: [[Known Material Defects or "None disclosed"]].
Buyer acknowledges having had the opportunity to inspect the vehicle and accepts it subject to the terms of this Agreement.
Section 10 - Default; Remedies; Governing Law
If Buyer fails to pay the balance when due or otherwise defaults, Seller may pursue all remedies available under Wisconsin law, including retention of any deposit as liquidated damages (if reasonable) or specific performance. This Agreement is governed by the laws of the State of Wisconsin. Any dispute shall be resolved in the courts of [[County]], Wisconsin.
Section 11 - Entire Agreement; Severability; Signatures
This Agreement, together with any attached exhibits or addenda (including any Retail Installment Sale Contract if financing), constitutes the entire agreement between the parties and supersedes all prior negotiations. If any provision is held invalid, the remainder remains in force.
SELLER
Signature: _______________________________ Date: [[Date]]
Printed Name / Title: [[Seller Printed Name / Title]]
BUYER
Signature: _______________________________ Date: [[Date]]
Printed Name: [[Buyer Printed Name]]
WITNESS (optional)
Signature: _______________________________ Date: [[Date]]
Printed Name: [[Witness Printed Name]]
Important Notice
This is a template example - not professional legal, financial, tax, or other advice. All figures, fees, tax rates, disclosure language, and procedures must be verified against current Wisconsin statutes, WisDOT rules, Wisconsin Department of Revenue guidance, and federal law as of the date of the transaction. Laws and fees change; county practices vary. Consult a licensed Wisconsin attorney, the selling dealer, or WisDOT/DOR for your specific situation before signing or relying on this document. Odometer and title rules are strictly enforced.
Sources / as of: Wisconsin Statutes Chapters 218, 342 (2026); Wis. Admin. Code Trans 154; 49 U.S.C. §32705; 15 U.S.C. §1601; FTC Used Car Rule; Wisconsin DOT Dealer guidance (2026). Verify current county tax rates and title fees at time of sale.
End of Wisconsin Vehicle Purchase Agreement
