Check Your Eligibility First!

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.

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.

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.

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.