The absolute worst experience I have ever had with a financier in my life. They use an online portal operated by a 3rd party agency. When their website is down, and you contact Sierra Credit directly, they aren't able to help you because they rely on said 3rd party for all IT issues. I contacted them alerting them that I was unable to complete making my online account, and their representative apologized and said there was essentially nothing that could be done until the site was up and running again, which was out of their control. They sent my first bill two days prior to my discovery of the broken site, for a payment due in 4 business days. The representative could not even offer an estimate of when the site would be fixed!! Hearing "we don't know" is not an acceptable response when the alternative to paying on time is losing my loan and, subsequently, my vehicle.
Several days later I FINALLY received confirmation that my account was made and ready to be verified. I verified my account and attempted to make a ONE TIME payment online. The site froze on me. After several minutes of watching a "wheel of death" screen, I refreshed the page. My e-mail notification sound then went off on my cell phone several times. When I looked at my e-mail for my "Thank you for your payment" confirmation e-mail, I HAD FOUR CONFIRMATION EMAILS. I sent a very concerned e-mail to the customer service in charge of the payment website complaining about their faulty service, and asking for the charges to be reassessed and not taken out of my account beyond the ONE authorized payment.
Every day, I monitored my bank account waiting for the charge to show as pending so I could dispute it with my bank. It never showed as pending. My account was indeed charged 4 times. No one ever responded to my e-mail. Now I have to complete a dispute form with my bank to have the funds sent back to me.
This is not how I expect my VERY FIRST payment with this company to be. Going back to their website, it doesn't even show that my payment was made. I have no available payment history, no scheduled payments, no current bills, no way to prove what I've paid. The site is absolutely useless, and CLEARLY STILL BROKEN.
If you are in any position to choose your financier, I highly suggest seeking other options over Sierra Credit. I've never written such a lengthy review in my life, but losing over $1000 in one fell swoop to a company that isn't knowledgable or in control of their own payment processes is nothing short of traumatic, and unfortunately, my journey with this company has only just begun. read more