Switchboard Finance Logo – Roadworthy Certificate Glossary

Roadworthy Certificate

A Roadworthy Certificate is an official inspection report confirming a vehicle is safe to operate on public roads. Lenders may require a Roadworthy Certificate when assessing: Vehicle Finance, Equipment Finance and Low Doc Loans, especially for older vehicles, high-kilometre utes/vans, or private-sale purchases. Related glossary terms: Pink Slip, VIN, PPSR. Related blogs: Fast-Track Asset Finance, Low Doc Truck Finance Tips, Fleet Finance Approval.

Why Roadworthy Certificates Matter

Lenders use a Roadworthy Certificate to reduce risk when financing older or higher-use vehicles. It confirms the vehicle meets the minimum safety standards required by law. Providing a valid certificate can speed up approvals through the Tradie Hub, Truckie Hub and Business Owners Finance Hub.

How a Roadworthy Certificate Works

  • A licensed mechanic performs an inspection based on state safety regulations.
  • The certificate confirms brakes, tyres, lights, steering and chassis are safe.
  • Lenders may request it for private purchases or vehicles with heavy usage.
  • If the vehicle fails, repairs must be completed before finance can progress.
  • Requirements vary by state (NSW, VIC, QLD, SA, WA).

Official info: service.nsw.gov.au

What is a Roadworthy Certificate?
It’s a safety certificate confirming a vehicle meets legal roadworthiness standards.
Do I need one for finance?
Many lenders require it for older vehicles, high-km assets and private-sale purchases.
How long is it valid?
Most states require the certificate to be used within 30 days, but rules vary.
Does it guarantee loan approval?
No — but it helps lenders verify the asset is safe and reduces risk.
What happens if the vehicle fails?
Defects must be repaired before the certificate is issued and finance can proceed.