Car Loans – Quick Quote – LP2025-07-04T12:25:28+00:00
LOGO_SIERRA Car Loans (HIRES)

Car Loans from 5.94% p.a. (7.06% p.a. comp. rate)

Whether you’re buying a new or used car – we’ll help you compare low-rate loans and drive your wheels in no time.

  • Flexible, Low-Cost Financing

  • Perfect Lending Match From Over 50 Partners

  • Approvals In As Fast As 24 Hours

Over 50 Trusted Lenders.

Why choose Sierra Car Loans?

Big Savings

Save big with competitive rates and terms, ensuring you get the most value from your loan.

Compare 50+ Lenders

Access lower interest rates through our vast lender network, reducing your overall loan costs.

Fast Approvals in 24 Hrs

Apply for a quick quote under 2 minutes and drive your car in as little as 24 hours.

What Our Clients Say.

Our Car Loan Process!

1.   Apply Online

Complete our quick application in under 2 minutes — no paperwork needed. Everything gets done online from start to finish.

2.   Get Pre-approval

Receive obligation free quotes without any impact to your credit score, giving you confidence and bargaining power when you shop.

3.   Drive Your Car

Review your offer, sign on the dotted line, and drive your car — fast, easy, and 100% online.

Finance Tailored to Your Needs.

Personal Use

We offer finance for cars, bikes, boats, caravans and more – with lenders providing discounted rates when the asset secures the loan. Unsecured personal loans are also available.

Business Use

Whether for a single vehicle or an entire fleet, we help businesses secure tailored finance with competitive rates – offering both chattel mortgage and lease options.

Other Assets

We also provide tailored finance packages for bikes, boats, caravans, jet skis, and heavy equipment, using the asset as security for highly competitive rates.

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 pre-approvals

without risking your credit score

Speak with our experts today and discover the best finance options tailored just for you.

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 5.94% p.a. (comparison rate of 7.06% p.a.), the total amount payable would be $35,692, with monthly repayments of $595.

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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