Complete Our Eligibility Check First
Know if it’s worth completing a full application before you invest your time..
Whether you’re just exploring or ready to move forward, this quick assessment helps determine if you’re eligible based on your basic details.
I’ll review your responses and confirm if you meet lender criteria before inviting you to complete a full application.
If eligible, you’ll receive a secure link to continue and access your personalised loan options.
- This Won’t Impact Your Credit ScoreYour details are reviewed first. No credit enquiries are made at this stage.
- Takes Less Than 60 SecondsA quick check of your basic details to see if you meet lender criteria.
- Avoid Unnecessary ApplicationsOnly proceed to the full application if your situation meets the right starting criteria.
- Secure Next Steps If EligibleIf eligible, you’ll receive a secure link to continue with your full application and lender matching.
What Our Clients Say.
EXCELLENT
Based on 116 reviews
Posted on Google
Paul EassonI spoke to Cale, and I found him friendly, straight forward and very easy to deal with. I would definitely recommend these guys to anyone looking for car finance.Posted on Google
Joe-Gee MendozaCale was very personable and professional. The overall process from start to finish was easy and stress free. I highly recommend using Cale and Sierra Car Loans as he will give you various options while using his expertise and experience to help you make the right choice without pressure. It was a pleasure dealing with Cale and would definitely use him again.Posted on Google
Loose KentCale provides a concise and down to earth professional service, highly recommend.Posted on Google
Neil VeiFor anybody looking for vehicle finance, I cannot recommend Cale at Sierra Finance enough. Our purchase was for a caravan and he worked through what we needed, documentation and sorted out any issues or questions. Cale was very responsive and prompt and made financing very easy with various financiers and finance options to consider.If you’re looking for someone that will step through the process with you and make it really easy, I recommend giving Cale a call at Sierra Finance and see what he can help you with.Posted on Google
NUWAN EDWARDExcellent customer service.Highly recommended.Posted on Google
John RussellCale was great to work with. Great communication, clear information and secured a fantastic rate for my finance needs. Highly recommend using his services !! Thank you for looking after me.Posted on Google
Craig WetzlerCale is super knowledgeable and knows what he is doing. And also got me a really good rate . Id recommend him to anyone. Super quick and super knowledgeablePosted on Google
chris oconnellCale was great. I have over 30 yrs in business, so I figured I was pretty much across what was required, how I wanted it structured etc.I approached Cale and he gave me options i hadn't considered, ran me through a few different scenarios etc. Moreover, I was torn between a couple of different vehicles, he patiently entertained multiple calls, didn't waiver, just eager to assist and run differing scenarios. I would highly recommend him and his team, very happy with the process and the outcome.Posted on Google
craig robertsCale made everything so easyPosted on Google
Chris MouldNick was outstanding in helping me get a great car loan. Not only a great rate but also one of the most seemless experiences I've ever had in terms of getting finance. I would not hesitate in recommending Nick at Sierra and will be using him for all my finance needs in the future. Thanks again for your help NickVerified by TrustindexTrustindex 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?
We review your situation across our lender panel to find competitive rates and repayment options suited to your vehicle or other assets.
Your details are carefully assessed against 50+ lenders to identify suitable options based on your profile, asset type and preferred loan terms.
Once you accept your personalised written quote, many customers receive lender pre-approval the same day, subject to lender checks.
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.
Frequently asked questions.
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.
You can borrow anywhere from $10,000 to $250,000, depending on your income, credit profile, and the vehicle you’re buying.
Most car loan applications are assessed within 24 hours, and some are approved the same day.
Absolutely. Pre-approval gives you a clear budget and makes negotiating with dealers or private sellers easier.
Yes, we finance cars from dealerships, private sellers, and auctions, giving you full flexibility.
Yes. We specialise in helping clients with bad credit, no credit history, or previous defaults get approved.
You’ll generally need photo ID, proof of income, and bank statements. The application is simple and can be done 100% online.
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.
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.
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.