Get a Free, Personalised, Finance Assessment!

Whether you’re just exploring options or ready to move forward, this application lets me review your situation and match you with a lender you are actually eligible with before any formal credit application is made.

I assess your details, shortlist suitable lenders from our panel, and provide a clear written quote outlining rates, fees and repayments. There is no cost and no impact to your credit score.

This Won’t Impact Your Credit ScoreYour details are reviewed first. No credit enquiries are lodged during the lender recommendation stage.
Upload Your Licence in SecondsSecurely upload your driver’s licence so I can confirm identity and pre-fill key details to speed things up.
Attach Payslips or Proof of IncomeAllows accurate lender selection and helps avoid unnecessary lender recommendations
Sign Consent Form Online
Quickly sign online so I can check your credit scores and ensure we recommend the right lenders.

Over 50 Trusted Lenders.

Why choose Sierra Car Loans?

Lower Repayments

We review your situation across our lender panel to find competitive rates and repayment options suited to your vehicle or other assets.

Expert Lender Matching

Your details are carefully assessed against 50+ lenders to identify suitable options based on your profile, asset type and preferred loan terms.

Fast Pre-Approvals

Once you accept your personalised written quote, many customers receive lender pre-approval the same day, subject to lender checks.

Start Your Quote ->

What Our Clients Say.

Our Finance 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 Your 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.

Check If I Qualify ->

Frequently asked questions.

How much can I borrow for a car loan?cale@sierracarloans.com.au2025-06-23T05:43:37+00:00

How much can I borrow for a car loan?

You can borrow anywhere from $5,000 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.au2025-06-23T05:43:33+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.au2025-06-23T05:43:27+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.au2025-06-23T05:43:22+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.au2025-06-23T05:43:15+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.au2025-06-23T05:43:09+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.au2025-06-23T05:44:03+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.

Quick Access to Personalised Quotes

without risking your credit score

We review your situation and match you with suitable lenders, or you can speak directly with a broker for tailored guidance.

Check My Options ->

1300 788 897

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).

Any quote or indication provided is an initial estimate only, based on the details provided, and does not constitute approval or a formal lending decision. A qualified finance broker will review your information, supporting documents and eligibility before submitting any application to a lender. Final terms may change following full assessment and responsible lending requirements.