Switchboard Finance Logo – Rego Papers Glossary

Rego Papers

Rego papers are the official registration documents issued by your state or territory road authority (e.g., VicRoads, Service NSW, TMR QLD). Lenders use rego papers to confirm ownership, verify the VIN, check plate details, and confirm the vehicle is legally registered when assessing Vehicle Finance, Truck Finance, and Equipment Finance. Related glossary terms: VIN, PPSR, Verification. Relevant blogs: Low Doc Vehicle Finance, Tradie Vehicle Finance, Fleet Finance Approval.

Why Rego Papers Matter

Rego papers show the vehicle’s registration status, VIN match, ownership details and expiry date. Lenders rely on this information to avoid financing stolen assets, incorrectly described vehicles, or vehicles not legally eligible for road use. Missing rego papers commonly delay approvals for applicants in the Truckie Hub, Tradie Hub, and Business Owners Finance Hub.

What Rego Papers Show

  • Owner name and address.
  • Vehicle details (make, model, body type, build year).
  • VIN and engine number.
  • Number plate and registration expiry.
  • Road authority issuing the registration.

Official info: service.nsw.gov.au

What are rego papers?
Rego papers are the official registration documents for a vehicle, showing ownership and vehicle details.
Do lenders need rego papers?
Yes — lenders use rego papers to check VIN details, ownership and registration status before approving finance.
Can I use digital rego papers?
Yes — digital registration papers issued by your state authority are accepted by most lenders, as long as they show the full vehicle and registration details clearly.
Do rego papers prove a vehicle is debt-free?
No — a PPSR search is needed to confirm if there is finance owing or any security interest registered against the vehicle.
What if the seller cannot provide rego papers?
Finance may be delayed or declined until registration and ownership can be verified through the road authority or alternative documentation.