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PPSR Check

A PPSR Check (Personal Property Securities Register check) reveals whether a vehicle or asset is currently under finance, stolen, written off, or encumbered. Lenders perform a PPSR Check during: Vehicle Finance, Equipment Finance, and Low Doc Loans to ensure the asset has clear title. Related glossary terms: VIN, Asset Valuation, Roadworthy Certificate. Relevant blogs: Fast-Track Asset Finance, Low Doc Equipment Loans, Fleet Finance Approval.

Why PPSR Checks Matter

A PPSR Check protects both the buyer and lender from hidden risks. It confirms whether a vehicle is safe to finance and ensures no other lender or party has a claim over it. PPSR integrity is critical for quick approvals through the Tradie Hub, Truckie Hub, and Business Owners Finance Hub.

How a PPSR Check Works

  • The lender enters the VIN or serial number into the PPSR database.
  • The report shows whether the asset has existing finance or a security interest.
  • It identifies stolen, written-off or encumbered vehicles.
  • A clean PPSR report can speed up approvals.
  • A failed PPSR Check may stop finance entirely.

Official reference: ppsr.gov.au

What is a PPSR Check?
A report that shows whether a vehicle or asset has finance owing, is stolen, written off, or encumbered.
Why do lenders run a PPSR Check?
To ensure the asset has clear title before approving finance.
Does a clean PPSR guarantee approval?
No — but it removes a major risk factor and speeds up the assessment.
Can I run a PPSR Check myself?
Yes. Anyone can run one through the official government site ppsr.gov.au.
What if the PPSR shows existing finance?
The existing loan must be repaid before any new lender can take security over the asset.