Learn About the PPSR

If you're thinking about buying a used car in Australia, you've likely come across the term PPSR check. But what exactly is the PPSR, and why is it so important for buyers? In this guide, we break down everything you need to know about the PPSR, how a PPSR check works, and why it’s a must-do before purchasing any second-hand vehicle.

What is the PPSR?

The Personal Property Securities Register (PPSR) is a national online database managed by the Australian Financial Security Authority (AFSA). It records security interests in personal property — including vehicles, boats, machinery, and other goods.

Think of it as a central system that helps buyers confirm whether a car is:

Under finance or encumbered (meaning money is still owed)
Previously written off or stolen
Part of a commercial security agreement or loan

What is a PPSR Check?

A PPSR check is a search of the register that gives you a detailed snapshot of a vehicle’s financial and legal status. It’s based on the Vehicle Identification Number (VIN), and it generates a certificate showing:

If the car has existing finance
If it’s ever been reported stolen
If it’s written off due to damage
Registration details
PPSR registration date and expiry

You’ll also receive an official PPSR certificate — a PDF that serves as your legal protection if you purchase the car after the check is done.

Why is a PPSR Check Important?

Here’s why doing a PPSR check is essential before buying a used car:

1. Avoid buying a financed vehicle

If you buy a car with money still owing on it, the lender can legally repossess it — even if you're the new owner.

2. Protect yourself against stolen property

The PPSR will flag if a vehicle has been reported stolen in any Australian state or territory.

3. Check for previous write-offs

Written-off vehicles can still be sold if repaired — but you have the right to know if they’ve been in serious accidents or damage incidents.

What’s Included in a PPSR Certificate?

Your PPSR Certificate will show:

Encumbrance status
Write-off details
Stolen vehicle check
Vehicle details: make, model, year, VIN, engine number
Date and time the check was completed

This certificate acts as proof that you did your due diligence at the time of purchase.

When Should You Do a PPSR Check?

You should perform a PPSR check right before you buy a used car — ideally on the same day you make the payment. This ensures the certificate reflects the latest information and legally protects you in case of future disputes.

How to Get a PPSR Check Instantly

With Carify, you can get a complete PPSR check in seconds — including your downloadable certificate — using just the vehicle’s VIN. Our checks are official and sourced directly from the national PPSR database.

Start Your PPSR Check Now