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Smart Finance Quotes Powered by AI Matching!

Whether you’re exploring finance options or ready to apply, our AI engine analyses your details against our best loan products from 50+ lenders to build an AI generated lender match — all without impacting your credit score.

  • This Won’t Impact Your Credit ScoreYour details are assessed using soft touch only — no lender will run a credit check unless you proceed
  • Upload Your Licence in SecondsInstantly verifies your identity and pre-fills key details to speed up your quote and reduce manual typing.
  • Attach Payslips or Proof of IncomeHelps the AI understand your income more accurately, improving lender matching and approval likelihood.
  • Provide Bank Statements (via secure illion link)Using illion gives deeper insight into affordability, helping the AI rank lenders based on qualification
  • Prefer Not to Upload Documents?You can manually enter your details and the AI will still generate a quote and request uploads later.

Over 50 Trusted Chattel Mortgage Lenders.

Why choose Sierra Car Loans?

Lower Repayments

Get smarter, more competitive rates with real-time AI lender matching, helping you secure the best value loan for your vehicle or business asset.

Smart AI Comparison

Our platform analyses 50+ lenders instantly to match you with the most suitable options based on your profile, asset type, and preferred loan terms.

Fast Pre-Approvals

Apply in under 5 minutes. With AI-powered assessment and soft credit checks, many customers receive a real quote or pre-approval in as little as 24 hours

What Our Business Clients Say.

Our Finance Process!

1.   Apply Online

Start with a quick 5-minute application. Our AI captures your basic details and verifies your details instantly—no paperwork or long forms.

2.  Get AI-Matched Quote

Receive obligation-free quotes in minutes with no impact on your credit score. The more information you provide (licence, payslips, bank statements, etc.), the more accurate your personalised lender match becomes..

3.  Finalise & Drive Away

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

Frequently asked questions.

How much can I borrow for a car loan?2025-06-23T05:43:37+00:00

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?2025-06-23T05:43:33+00:00

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?2025-06-23T05:43:27+00:00

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?2025-06-23T05:43:22+00:00

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?2025-06-23T05:43:15+00:00

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

What documents do I need to apply?2025-06-23T05:43:09+00:00

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?2025-06-23T05:44:03+00:00

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 AI-Tailored Quotes

without risking your credit score

Let smart AI match your best options, or speak with a friendly broker for tailored advice.

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 by our AI-powered system is for general information purposes only and does not constitute a loan approval or formal assessment. All applications are reviewed by a qualified human finance broker who will verify your information, supporting documents, and overall eligibility. In some cases, a human finance broker may identify a more suitable lender or product based on your individual circumstances, lending criteria, and responsible-lending obligations.

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