Buying a new car is exciting, but before buying, make sure you have all your facts with a Personal Properties Security Register (PPSR) check.

What is it?

PPSR is a government initiative designed to protect consumers.

A PPSR check is a search on a national electronic database that registers security interests in personal property.

If you're about to buy a car, completing a PPSR check will determine whether it has any encumbrances, like money owed by a previous owner to a financier, or whether the car has been registered as stolen.

Is it important for me?

Yes. When you purchase a car with a financial encumbrance, you run the risk of losing the car you have just paid for.

If there are funds still owing to a financier from the previous owner and they stop making loan repayments, your new car could be repossessed to cover their debts.

What happens if I don't get a check?

You run the risk of your car being repossessed.

How do I get a PPSR check?

You will need to supply one of the following vehicle identifiers:

  • Vehicle Identification Number (VIN)
  • Chassis number
  • Manufacturer number

Checks can be run though the PPSR database for a small fee.

Who does it?

Dealer sale: The dealership will usually run the PPSR check for you – but it's good practice to ask if they have done so. 

Private sale: It’s up to you to run the check – before you buy.

RAC Finance: If your loan is financed by RAC Finance, we will run the check for you for a fee of $8.00.

Last updated August, 2018

*This information may be regarded as general advice. Your personal objectives, needs or financial situation were not taken into account when preparing this information. You should consider its appropriateness, having regard to your own objectives, financial situation and needs before acting on it.

Do your research

You’ve done your PPSR check, but have you done your finance homework? RAC Finance offers quick and easy finance options, so you can be better prepared before you get your heart set on a new ride.

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