Security Interest Check

Don't Take Any Chances

If you purchase a second hand car privately and it has money owing on it to a financial institution or is stolen, the car may be repossessed or impounded.

But there is a safe way around this problem and for peace of mind it's well worth the small time investment. For your peace of mind, make sure you do a title search or let UFS do it for you!

All you need to do is collect the relevant identifying numbers and documents for the vehicle or goods you want to purchase and then conduct a security interest check with the Personal Property Securities Register (PPSR) which is where details of security interests in personal property can be registered and searched. They will be able to tell you over the phone if the car you're looking to buy has money owing on it, is stolen, or has been de-registered due to unpaid traffic fines.

If you are arranging your finance through UFS, you do not need to worry about making a PPS registration yourself, as the credit provider will do the search and registration of their interest in the vehicle or goods before your drive away.

Personal Property Securities Register (PPSR)

The Personal Property Securities (PPS) Register is a national online register that can help to protect you when you are buying personal property (not land, buildings or fixtures), particularly valuable second hand goods.

By searching the PPS Register, you will be able to find out whether personal property you may be planning to buy has a security interest registered against it.

Cars and boats need to be searched by serial number, such as the vehicle identification number (VIN) or chassis number for cars and the hull identification number (HIN) or official number for boats.

You can access the PPSR online register at Personal Property Securities Register

The Insolvency and Trustee Service Australia (ITSA) is the Australian Government agency responsible for administering the PPSR.

Handy Hints

  • On the vehicle itself, locate and note down the Registration Number, Vehicle Identification Number (VIN)/chassis number and Engine Number.
  • Confirm these numbers directly match the ones on the vehicle's Registration Papers.
  • Search the PPS Register and enter these numbers to verify everything is legitimate.
  • Buy a search certificate to confirm these details.

* Please note, to obtain a search certificate for evidence of the search you have conducted, you need to make sure that you request the certificate at the completion of your search as this is not an automatic part of the search process. If you request a search certificate, there is no extra cost involved, and it will be available as a PDF document, which you can print or download.


* United Financial Services does not take any responsibility for information provided by any Government operated PPS register.