Did Your Lender Say No? Stop Applying To The Wrong Ones.

Q: How long does the approval process take?

In many cases, approval and settlement can happen on the same day —especially when all required documents are submitted promptly and everything runs smoothly. We’ve had clients approved and settled within hours. That said, since multiple parties are often involved, timelines can vary. As a general guide, we recommend allowing 1 business day for approval and another for settlement . If delays are expected, we’ll let you know upfront based on the lender’s usual turnaround times. If you’re on a tight deadline, we can prioritise speed and work with lenders who can meet your timeframe.

Bad things can happen to good people, and the right lenders understand that. We match you with specialist lenders who look beyond a credit score.

Step 1 is to complete the quick 60-second eligibility test below to begin.

Step 2 is to complete your application and upload documents via your personalised link, sent by SMS and email. We’ll match you to the right specialist lender, or guide you on the best path forward if timing isn’t right.

Watch the video to see how it works

Start Your 60-Second Eligibility Test Below

Paid or unpaid defaults considered
Low credit scores and past issues accepted by lenders
Previous late repayments won’t automatically disqualify you
Current and ex-bankrupts welcome

Click To Start Step 1 ->

Step 1 Starts Here 👇

Being Told No Doesn’t Mean You’re Out of Options

The right lender looks at more than just your credit score. We compare over 50 lenders before anyone makes a hard enquiry on your credit file.

One lender may decline you while another says yes
We match you with lenders suited to your situation
No impact on your credit score
Specialist Lenders
100+ verified five-star Google reviews
Over 20 years helping Australians secure finance

Watch the video above to understand your options, then complete the 60-second Eligibility Test to find out where you stand with no impact on your credit score.

Being Told No Doesn’t Mean You’re Out of Options

The right lender looks at more than just your credit score. We compare over 50 lenders before anyone makes a hard enquiry on your credit file.

One lender may decline you while another says yes
We match you with lenders suited to your situation
No impact on your credit score
Specialist Lenders
100+ verified five-star Google reviews
Over 20 years helping Australians secure finance

Watch the video below to understand your options, then complete the 60-second Eligibility Test to find out where you stand with no impact on your credit score.

      EXCELLENT  
   Based on 100 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Angel H 
 
 
 
 Trustindex verifies that the original source of the review is Google. From start to end (which was less then 48 hours !) Cale was prompt, transparent and so so easy. My very first new car purchase that was exhausting and frustrating, became easy and even exciting once I found him and suddenly it was all done and dusted. Even on the weekend he replied and just got it done and  his transparency gave me the clarity I needed. I'll be picking my new car up this week after months of getting nowhere.  My husband will go through him for his next purchase too , highly highly recommend.
  
 
      Posted on Google  
   
   A. Siddiqui 
 
 
 
 Trustindex verifies that the original source of the review is Google. I would like to thank Cale at Sierra Car Loans for making the entire finance process smooth and hassle-free. From the initial enquiry through to approval and settlement, Cale was professional, responsive, and kept me informed every step of the way. His clear communication, attention to detail, and willingness to assist made the experience straightforward and stress-free. The process was completed efficiently, and I truly appreciated the excellent customer service provided throughout. I highly recommend Sierra Car Loans, and especially Cale, to anyone looking for a seamless and professional vehicle finance experience. Thank you again for your outstanding support. 🚗👏
  
 
      Posted on Google  
   
   Jo Di 
 
 
 
 Trustindex verifies that the original source of the review is Google. Fantastic service! Nick was helpful, friendly and efficient. Kept me up to date every step of the way and made the whole process easy. Highly recommend!
  
 
      Posted on Google  
   
   Brad Porter 
 
 
 
 Trustindex verifies that the original source of the review is Google. Highly recommended, Cale provided an excellent service from first contact right through to settlement. I was away from home when the dealer called looking to finalise payment prior to delivery and Cale had it sorted within hours! If you're like me and like a no BS approach from your broker and someone who will take care of you from start to finish then contact Sierra Car Loans.
  
 
      Posted on Google  
   
   Michael O'Shea 
 
 
 
 Trustindex verifies that the original source of the review is Google. I saw the ad on Facebook and I was a bit sceptical about only having 5 Star ratings and I couldn't agree more. The service that Cale provides is brilliant in every way with possible and does all the hard work for you. I highly recommend Cale to anyone who is looking to purchase a new or used vehicle and want the best interest rate on your loan.
  
 
      Posted on Google  
   
   craig diessel 
 
 
 
 Trustindex verifies that the original source of the review is Google. Fantastic company to deal with Nick was very helpful through the whole process. Recommend Sierra to everyone
  
 
      Posted on Google  
   
   Krystle Morehu 
 
 
 
 Trustindex verifies that the original source of the review is Google. What a pleasure. Having Nick in my corner made the whole ABN purchase I needed so simple, straight forward and efficient. 3 days, done. Can not recommend enough
  
 
      Posted on Google  
   
   steve 
 
 
 
 Trustindex verifies that the original source of the review is Google. Flawless service and impeccable behind-the -scenes work by Sierra Car Loans. Cale has worked his magic and secured me a loan with my complex and awkward financial circumstances. His clear and concise no-bullshit information and instructions are very respected and knowledgeable. Application was super fast and he was very patient when I had paperwork delays on my side. Thanks Cale and the team for your help.
  
 
      Posted on Google  
   
   Robert Mason 
 
 
 
 Trustindex verifies that the original source of the review is Google. Fantastic experience with great customer service and support that got me a great rate in a timely turnaround.👍👍
  
 
  
  
 
     Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

Over 50 Trusted Lenders.

Why choose Sierra Car Loans?

More Lender Options

We review your situation across our lender panel to identify lenders that may consider your circumstances and structure payments suited to your budget.

Expert Lender Matching

Your details are carefully assessed against 50+ lenders to identify suitable options based on your credit profile, income and vehicle type.

Specialist Lenders

We work with both prime and specialist lenders, including lenders that may consider applicants with less than perfect credit histories.

Check If You’re Eligible ->

Our Car Loan Process!

1. Apply Online

Start with a quick 5 minute application. Provide your basic details so we can review your situation and begin finding suitable lenders.

2. Get Personalised Quote

Receive an obligation free written quote with no impact on your credit score. The more information you provide such as licence, payslips and bank statements, the more accurately we can match you with suitable lenders.

3. Finalise & Drive Away

Review your quote, complete any final checks, and finalise your approval. Whether it’s a vehicle or another asset, you can move forward quickly, simple, and 100% online.

Get PreQualified ->

Frequently asked questions.

Why choose Sierra Car Loans over other brokers?cale@sierracarloans.com.au2026-04-02T02:19:46+00:00

Why choose Sierra Car Loans over other brokers?

At Sierra Car Loans, you get the best of both worlds — the personalised service of a dedicated sole operator and the buying power of one of Australia’s largest finance aggregators. That means I can access competitive rates typically reserved for larger organisations, while personally guiding you through the entire process from start to finish. Unlike larger firms where you’re just another number, I treat every client like a priority — because your outcome directly impacts my business. You’ll never be passed from person to person — you’ll work with someone who genuinely cares about getting you the right deal.

How much can I borrow for a car loan?cale@sierracarloans.com.au2026-04-02T02:19:12+00:00

How much can I borrow for a car loan?

You can borrow anywhere from $10,000 to $250,000, depending on your income, credit profile, and the vehicle you’re buying.

How long does it take to get approved?cale@sierracarloans.com.au2026-04-02T02:18:44+00:00

How long does it take to get approved?

Most car loan applications are assessed within 24 hours, and some are approved the same day.

Can I get pre-approved before choosing a car?cale@sierracarloans.com.au2026-04-02T02:18:30+00:00

Can I get pre-approved before choosing a car?

Absolutely. Pre-approval gives you a clear budget and makes negotiating with dealers or private sellers easier.

Can I finance a car from a private seller or auction?cale@sierracarloans.com.au2026-04-02T02:18:16+00:00

Can I finance a car from a private seller or auction?

Yes, we finance cars from dealerships, private sellers, and auctions, giving you full flexibility.

Can I get a car loan with bad credit or no credit history?cale@sierracarloans.com.au2026-04-02T02:18:03+00:00

Can I get a car loan with bad credit or no credit history?

Yes. We specialise in helping clients with bad credit, no credit history, or previous defaults get approved.

What documents do I need to apply?cale@sierracarloans.com.au2026-04-02T02:17:49+00:00

What documents do I need to apply?

You’ll generally need photo ID, proof of income, and bank statements. The application is simple and can be done 100% online.

Can I buy a car under my business name?cale@sierracarloans.com.au2026-04-02T02:16:31+00:00

Can I buy a car under my business name?

Yes, we offer business car loans and chattel mortgages that let you finance a vehicle under your business name—ideal for ABN holders, sole traders, or companies.

Will applying affect my credit score?cale@sierracarloans.com.au2026-04-02T02:19:59+00:00

Will applying affect my credit score?

Getting a quote won’t impact your credit score. In some cases, we may perform a soft touch (or soft credit check) to view your credit file—this lets us better understand your situation without leaving a mark on your credit history. A formal credit enquiry is only made if you choose to proceed and we apply for pre-approval with a lender.

How long does the approval process take?cale@sierracarloans.com.au2026-04-02T02:20:46+00:00

How long does the approval process take?

In many cases, approval and settlement can happen on the same day—especially when all required documents are submitted promptly and everything runs smoothly. We’ve had clients approved and settled within hours.

That said, since multiple parties are often involved, timelines can vary. As a general guide, we recommend allowing 1 business day for approval and another for settlement. If delays are expected, we’ll let you know upfront based on the lender’s usual turnaround times. If you’re on a tight deadline, we can prioritise speed and work with lenders who can meet your timeframe.

Can I apply if I haven’t chosen a car yet?cale@sierracarloans.com.au2026-04-02T02:21:00+00:00

Can I apply if I haven’t chosen a car yet?

Absolutely. We can arrange a pre-approval based on the type, age range, and estimated value of the vehicle you’re considering. Once you’ve chosen your car and confirmed the final price, we simply update the details for formal approval. A pre-approval gives you the confidence to shop knowing you’ve already met the lender’s requirements—aside from the specific vehicle details.

Disclaimer:

Sammfin Pty Ltd (ABN 29 145 356 458), trading as Sierra Car Loans, is an Authorised Credit Representative (ACR#431345) of Australian Credit Licensee, Access Lending Group Pty Ltd (ACL#531308).

Example: For a loan of $30,000 over 5 years at an interest rate of 6.49% p.a. (comparison rate of 6.99% p.a.), the total amount payable would be $35,556.60, with monthly repayments of $592.61.

The comparison rate is based on a $30,000 loan over 5 years and would vary for different amounts and terms. Any repayment estimates shown are for illustrative purposes only and do not constitute a formal credit offer. By submitting an enquiry, you may be contacted by a licensed finance broker to assist with your application. Loan approval is subject to lender credit criteria. Approval is not guaranteed.

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