What is a PPSR Certificate?
A PPSR Certificate (from the Personal Property Securities Register) is a PDF certificate that provides key information about a vehicle’s legal and financial status.
It includes:
Vehicle details (VIN, make, model)
Whether there is any finance owing on the vehicle
Whether the vehicle is reported as stolen
Whether the vehicle has been written-off
Why It Matters
If the certificate shows no finance, not stolen, and not written off, you’re in a stronger, safer position to proceed with the purchase.
However, if any of these flags are raised - especially outstanding finance - you should pause and have an honest conversation with the Seller.
Can a Seller Clear a PPSR Record Before I Buy?
Yes - only if the vehicle has a record indicating that finance is still owing, the Seller can:
Contact their finance provider
Pay off the outstanding loan
Request a Discharge of the PPSR registration
Note: It may take a few days for this update to reflect on the register.
If a Seller says “it’ll be cleared soon,” wait until it is officially updated on the PPSR before making payment. Otherwise, you could inherit someone else’s debt.
How Does AutoSettle Assist in the PPSR Process?
A PPSR Certificate and check can cost you up to $60 - AutoSettle provides this for free to both parties in the transaction.
You will see in the Vehicle Profile panel a link to Reports that contains the initial PPSR Snapshot - this provides an overview of the vehicle's PPSR state BUT is not a PPSR certificate.
The three important variables of whether the vehicle is reported as stolen, written-off or has finance owing will be shown in the snapshot.
The full and complete PPSR Certificate will be provided to you as part of the Settlement process.
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