GuidesAustralia
PPSR & finance, explained
Straight answers on resolving PPSR registrations and finance interests — for individuals clearing a car, and for businesses, dealers, financiers and insolvency practitioners resolving interests on their assets. Written plain, with each step attributed to the source.
For individuals
Clearing a car you own, buy or sell
Removing an incorrect registration, clearing finance you've paid out, and knowing where you stand before you buy or sell — for owners and buyers.
- PPSR resolutionHow to remove an incorrect PPSR registration on a car you ownThe amendment-demand process, the five-business-day rule, and how to escalate to the PPSR Registrar when a registration won't come off.Read the guide →
- PPSR resolutionFinance still showing on a car you've paid off — how to clear itWhy a registration survives your final payment, how to get the finance company to discharge it, and how to confirm the car is clear.Read the guide →
- Buying & sellingCan I sell a car with finance owing or registered against it?What a buyer's PPSR search reveals, the two clean ways to sell, and how to make sure the buyer ends up with clean title.Read the guide →
- PPSR resolutionPPSR registration won't come off — your optionsWhy a registration gets stuck, the amendment-demand and Registrar escalation, and what to do when the secured party no longer exists.Read the guide →
- PPSR explainedWhat a PPSR registration actually meansWhat a registration records (and what it doesn't), who lodges them, and why a claim on record is not proof that you owe money.Read the guide →
- Verexia serviceHow PPSR finance clearance will work with VerexiaWhat the service will clear, the four-step process, and where the limits are — identify and remediate, with outcomes that depend on the secured party.Read the guide →
- PPSR resolutionHow to remove a PPSR registration lodged by a deregistered companyWhen the company that lodged a registration no longer exists, its property vests in ASIC. How to serve the amendment demand on ASIC and escalate to AFSA.Read the guide →
- PPSR resolutionClearing a PPSR registration on a car in a deceased estateWhat an executor or administrator needs to clear a registration on the estate's car — establishing authority, dealing with the secured party, and confirming clean title.Read the guide →
- PPSR resolutionClearing an ex-partner's finance interest on a car after separationHow a PPSR registration sits separately from a relationship property settlement, the ways to clear an ex-partner's interest, and confirming clean title.Read the guide →
- PPSR resolutionA PPSR registration on a written-off or stolen-flagged carHow a write-off or stolen flag on a PPSR search differs from a security-interest registration, and how to resolve a lingering registration — the part the Verexia service will clear.Read the guide →
- PPSR explainedPPSR removal vs discharge: which one clears your carThe difference between a discharge and a removal, why a deed of release or payout letter isn't the register being cleared, and how to confirm the car is actually clear.Read the guide →
- Buying & sellingClearing a PPSR registration before you sell your carThe seller's checklist to clear a registration before transfer — whether it's finance to discharge or a leftover to remove — so the buyer ends up with clean title.Read the guide →
- PPSR explainedWhat a PPSR amendment demand is and how to serve oneThe standalone guide to the amendment demand — what it is, exactly what it must contain, how to serve it, the five-business-day rule, and the AFSA and court routes after.Read the guide →
For businesses
PPSR & finance resolution for business
For businesses with asset or equipment finance, dealers and auto traders, financiers and lenders, and insolvency practitioners — resolving registrations and security interests on business assets.
- Business asset & equipment financeClearing a paid-off PPSR registration on business equipment or a commercial vehicleWhy a registration survives payout on business assets, the AllPAAP trap, and how to get it discharged before you sell, refinance or audit.Read the guide →
- Business asset & equipment financeHow to run a PPSR search on business assets before you sell or refinanceSearching the PPSR by serial number and by ACN/ABN, reading what's registered against your equipment and fleet, and confirming clean title before a sale, refinance or audit.Read the guide →
- Business asset & equipment financeAllPAAP explained: how one registration can cover your whole businessWhat all present and after-acquired property (AllPAAP) means, how a general security deed works, and why paying off one asset doesn't clear an AllPAAP registration.Read the guide →
- Dealers & auto tradersClearing a trade-in encumbrance before you resellEstablishing what's registered on a trade-in, settling and discharging the security interest, and giving the next buyer clean title before you resell.Read the guide →
- Dealers & auto tradersKeeping clean title across used-vehicle stockManaging PPSR title across a used-vehicle yard — searching incoming stock, handling floorplan finance, and clearing prior interests so every sale gives clean title.Read the guide →
- Financiers & lendersPortfolio discharge and registration clean-up across a loan bookDischarging registrations as facilities close, correcting registrations that have drifted, and keeping a lending book's PPSR position accurate at portfolio scale.Read the guide →
- Financiers & lendersPPSR registration hygiene for lendersWhat sound PPSR registration hygiene looks like for a lender — correct grantor identifiers, registering in time, discharging promptly, and the vesting risks of getting it wrong.Read the guide →
- Insolvency practitioners & lawyersResolving security interests in administrations and wind-upsHow PPSR security interests are assessed in an external administration — the vesting of unperfected interests under PPSA s267, perfection and priority, and resolving registrations.Read the guide →
- Insolvency practitioners & lawyersPPSR search and verification at the start of an appointmentRunning the PPSR search that maps security interests over a company's assets at the start of an appointment — searching by grantor, reading perfection and priority, and verifying claims.Read the guide →