[{"data":1,"prerenderedAt":1645},["ShallowReactive",2],{"article-history-risk-AUCN-Data-How-Common-Are-Odometer-Anomalies":3,"article-id-AUCN-Data-How-Common-Are-Odometer-Anomalies":323,"related-AUCN-Data-How-Common-Are-Odometer-Anomalies":324},{"id":4,"title":5,"articleId":6,"body":7,"category":295,"categorySlug":296,"cover":297,"description":298,"extension":299,"faq":300,"meta":313,"navigation":315,"path":316,"readTime":317,"seo":318,"slug":319,"stem":320,"updatedAt":321,"__hash__":322},"content/history-risk/AUCN-Data-How-Common-Are-Odometer-Anomalies.md","AUCN Data: About 1 in 24 Cars Shows an Odometer Anomaly",58,{"type":8,"value":9,"toc":282},"minimark",[10,19,22,31,36,39,66,70,73,84,88,95,98,104,107,111,150,154,185,189,207,211,214,218,238,242,268],[11,12,13,14,18],"p",{},"Odometer fraud is usually discussed as if it were rare. AUCN's check data says otherwise: about ",[15,16,17],"strong",{},"4.2% of checks — roughly 1 in 24 — flag an odometer anomaly",".",[11,20,21],{},"That is higher than the stolen rate, and it is a risk most buyers never think to check.",[23,24],"data-donut",{"accent":25,"big":26,"caption":27,"legend":28,"note":29,"value":30},"#FFC43A","≈ 1 in 24","of AUCN checks showed an odometer anomaly","Recorded history does not match the current reading","An anomaly is a prompt to verify, not automatic proof of tampering.","4.2",[32,33,35],"h2",{"id":34},"what-counts-as-an-anomaly","What counts as an anomaly",[11,37,38],{},"An odometer anomaly means the recorded history does not line up with the current reading. The most common patterns are:",[40,41,42,50,57,63],"ul",{},[43,44,45,46,49],"li",{},"a recorded reading that is later ",[15,47,48],{},"lower"," than an earlier reading",[43,51,52,53,56],{},"a ",[15,54,55],{},"sudden jump"," in a single year that does not fit the vehicle's history",[43,58,59,62],{},[15,60,61],{},"low kilometres for the car's age"," with no supporting service records",[43,64,65],{},"service-book stamps that do not match the progression of the odometer",[32,67,69],{"id":68},"an-anomaly-is-not-proof-of-fraud","An anomaly is not proof of fraud",[11,71,72],{},"A flag can also come from a clerical error, a replaced instrument cluster, or an honest mistake in a service record. But it is exactly what it sounds like — a reason to stop and verify.",[11,74,75,76,83],{},"Misrepresenting a vehicle's odometer is a breach of the ",[77,78,82],"a",{"href":79,"rel":80},"https://consumerlaw.gov.au/",[81],"nofollow","Australian Consumer Law",", and buyers who discover it after purchase have remedies, particularly when buying from a dealer.",[32,85,87],{"id":86},"where-the-anomalies-concentrate","Where the anomalies concentrate",[89,90],"data-bars",{"accent":25,"data":91,"note":92,"title":93,"unit":94},"8-11 years old:7.4|4-7 years old:6.9|12-15 years old:4.9|16+ years old:2.2|0-3 years old:1.6","Anomalies peak as cars approach their second decade — the same window where write-off history peaks.","Odometer anomaly rate by vehicle age","%",[11,96,97],{},"The age pattern makes intuitive sense: the longer a car has been in circulation, the more service records exist to contradict each other, and the more incentive there is for a seller to present a tired vehicle as a low-kilometre one.",[89,99],{"accent":100,"data":101,"note":102,"title":103,"unit":94},"#9CA3AF","Jeep:8.4|Land Rover:7.9|Mercedes-Benz:7.3|Audi:7.1|Kia:6.7|Volkswagen:5.5|Hyundai:5.4|Ford:5.3|Toyota:4.1","Brands with higher average servicing costs and longer ownership cycles show more anomalies. Smaller-volume brands are approximate.","Odometer anomaly rate by brand (sample: major brands)",[11,105,106],{},"Brand matters less than paperwork: the brands at the top of this list are also the ones whose owners most often service outside a dealer network, which is exactly where record gaps appear.",[32,108,110],{"id":109},"how-to-verify-a-reading-yourself","How to verify a reading yourself",[112,113,114,120,126,132,144],"ol",{},[43,115,116,119],{},[15,117,118],{},"Get the service history"," and lay the odometer readings out in order.",[43,121,122,125],{},[15,123,124],{},"Check the wear against the number"," — a car showing 60,000 km should not have a worn-through driver's seat.",[43,127,128,131],{},[15,129,130],{},"Look at consumables"," — multiple sets of tyres and brake parts suggest more distance than the dash claims.",[43,133,134,137,138,143],{},[15,135,136],{},"Run a history check"," that compares recorded odometer data against the current reading — the same ",[77,139,142],{"href":140,"rel":141},"https://www.ppsr.gov.au/about-ppsr",[81],"$2 PPSR search"," that covers finance and write-off status is a good starting point.",[43,145,146,147,18],{},"If the seller cannot produce records for a suspiciously low reading, ",[15,148,149],{},"price the car as if the reading is unproven",[32,151,153],{"id":152},"if-you-are-buying","If you are buying",[40,155,156,163,170],{},[43,157,158,159,162],{},"Treat an anomaly flag as a ",[15,160,161],{},"negotiation fact",", not just a warning: it lowers the vehicle's defensible value.",[43,164,165,166,169],{},"Ask for the ",[15,167,168],{},"service books and digital service records"," before you inspect.",[43,171,172,173,178,179,184],{},"Remember the transfer deadlines — ",[77,174,177],{"href":175,"rel":176},"https://www.service.nsw.gov.au/transaction/transfer-a-vehicle-registration",[81],"14 days in NSW"," and ",[77,180,183],{"href":181,"rel":182},"https://www.qld.gov.au/transport/registration/transfer",[81],"14 days in Queensland"," — so verification happens before, not after, the paperwork.",[32,186,188],{"id":187},"if-you-are-selling","If you are selling",[40,190,191,197,204],{},[43,192,193,196],{},[15,194,195],{},"Keep every service record."," Missing history is what turns a normal car into a flagged one.",[43,198,199,200,203],{},"If the cluster was replaced, ",[15,201,202],{},"document it"," — a receipt or repair invoice resolves the anomaly with buyers.",[43,205,206],{},"Never restate a reading you cannot evidence: in most states, odometer tampering carries significant penalties, and it is a clear breach of consumer law.",[32,208,210],{"id":209},"the-bottom-line","The bottom line",[11,212,213],{},"You cannot see an odometer anomaly from the dashboard — the dashboard is the part that gets changed. The check is in the history, and around 1 in 24 cars will not pass it.",[32,215,217],{"id":216},"related-aucn-data","Related AUCN data",[40,219,220,226,232],{},[43,221,222],{},[77,223,225],{"href":224},"/resources/history-risk/AUCN-Data-Nearly-1-in-4-Used-Cars-Carry-a-Hidden-Risk-Flag","Nearly 1 in 4 used cars carry a risk flag",[43,227,228],{},[77,229,231],{"href":230},"/resources/history-risk/AUCN-Data-Written-Off-Rates-Vary-by-State","Written-off rates vary by state",[43,233,234],{},[77,235,237],{"href":236},"/resources/history-risk/How-to-Spot-Odometer-Rollbacks","How to spot odometer rollbacks and inconsistencies",[32,239,241],{"id":240},"sources","Sources",[40,243,244,249,256,262],{},[43,245,246],{},[77,247,82],{"href":79,"rel":248},[81],[43,250,251,255],{},[77,252,254],{"href":140,"rel":253},[81],"PPSR — About the PPSR"," (Australian Financial Security Authority)",[43,257,258],{},[77,259,261],{"href":175,"rel":260},[81],"Service NSW — Transfer a vehicle registration",[43,263,264],{},[77,265,267],{"href":181,"rel":266},[81],"Queensland Government — Registration transfer",[269,270,271],"blockquote",{},[11,272,273,276,277,281],{},[15,274,275],{},"About this data:"," AUCN Data, percentage basis, based on AUCN PPSR and vehicle-history checks through September 2026. Aggregated percentages only; no individual vehicles or personal information are published. See the ",[77,278,280],{"href":279},"/resources/data-notes/AUCN-Data-Methodology","AUCN Data methodology and definitions"," for how these figures are produced.",{"title":283,"searchDepth":284,"depth":284,"links":285},"",2,[286,287,288,289,290,291,292,293,294],{"id":34,"depth":284,"text":35},{"id":68,"depth":284,"text":69},{"id":86,"depth":284,"text":87},{"id":109,"depth":284,"text":110},{"id":152,"depth":284,"text":153},{"id":187,"depth":284,"text":188},{"id":209,"depth":284,"text":210},{"id":216,"depth":284,"text":217},{"id":240,"depth":284,"text":241},"History & Risk","history-risk","/images/articles/aucn-data-05-odometer-cover.png?v=2","About 1 in 24 AUCN checks flags an odometer anomaly — with 8–11-year-old cars worst affected. See the patterns and how to verify a reading before you buy.","md",[301,304,307,310],{"q":302,"a":303},"How common are odometer anomalies in Australia?","About 4.2% of AUCN checks flag an odometer anomaly — roughly one in 24 vehicles — which is higher than the stolen-record rate of 0.7%.",{"q":305,"a":306},"Which cars are most likely to show an odometer anomaly?","By age, 8–11-year-old vehicles (7.4%) and 4–7-year-old vehicles (6.9%) lead; by brand, Jeep (8.4%), Land Rover (7.9%) and Mercedes-Benz (7.3%) sit highest in the sample.",{"q":308,"a":309},"Is an odometer anomaly proof that the odometer was wound back?","No. It means the recorded history does not match the current reading, which can also come from a clerical error or a replaced instrument cluster. It is a prompt to verify service records, not a conviction in itself.",{"q":311,"a":312},"Is odometer tampering illegal?","Yes. Misrepresenting a vehicle's odometer is a breach of the Australian Consumer Law, and most states also apply specific odometer-tampering offences with significant penalties.",{"createdAt":314},"2026-09-28",true,"/history-risk/aucn-data-how-common-are-odometer-anomalies",4,{"title":5,"description":298},"AUCN-Data-How-Common-Are-Odometer-Anomalies","history-risk/AUCN-Data-How-Common-Are-Odometer-Anomalies","2026-09-30","G01CIcksptVlW4gS_phS2_PeUH7i5ZabuqfSTjgRDqI",null,[325,638,1255],{"id":326,"title":327,"articleId":328,"body":329,"category":295,"categorySlug":296,"cover":617,"description":618,"extension":299,"faq":619,"meta":632,"navigation":315,"path":633,"readTime":317,"seo":634,"slug":635,"stem":636,"updatedAt":321,"__hash__":637},"content/history-risk/AUCN-Data-Motorcycles-Top-the-Stolen-List.md","AUCN Data: Motorcycles Top the Stolen List by a Wide Margin",56,{"type":8,"value":330,"toc":606},[331,334,337,341,346,429,436,440,449,453,478,481,485,490,497,501,535,539,559,561,564,566,582,584,597],[11,332,333],{},"Stolen records are the rarest of the four main risk flags in AUCN checks — but they are not evenly distributed. Split the data by vehicle type and one group stands far above the rest: motorcycles.",[11,335,336],{},"The most-stolen brands in AUCN's data carry stolen rates several times higher than the typical mainstream car.",[32,338,340],{"id":339},"the-stolen-list","The stolen list",[89,342],{"data":343,"note":344,"title":345,"unit":94},"KTM:6.8|Husqvarna:6.3|Aprilia:3.6|Chrysler:3.2|Yamaha:2.6|Maserati:2.6|Ducati:2.4|Typical mainstream car:0.7","Motorcycle brands carry smaller check volumes than major car brands — treat individual figures as approximate.","Stolen-record rate by brand, AUCN checks",[347,348,349,362],"table",{},[350,351,352],"thead",{},[353,354,355,359],"tr",{},[356,357,358],"th",{},"Brand",[356,360,361],{},"Stolen-record rate",[363,364,365,374,382,390,398,406,413,421],"tbody",{},[353,366,367,371],{},[368,369,370],"td",{},"KTM (motorcycle)",[368,372,373],{},"6.8%",[353,375,376,379],{},[368,377,378],{},"Husqvarna (motorcycle)",[368,380,381],{},"6.3%",[353,383,384,387],{},[368,385,386],{},"Aprilia (motorcycle)",[368,388,389],{},"3.6%",[353,391,392,395],{},[368,393,394],{},"Chrysler",[368,396,397],{},"3.2%",[353,399,400,403],{},[368,401,402],{},"Yamaha (motorcycle)",[368,404,405],{},"2.6%",[353,407,408,411],{},[368,409,410],{},"Maserati",[368,412,405],{},[353,414,415,418],{},[368,416,417],{},"Ducati (motorcycle)",[368,419,420],{},"2.4%",[353,422,423,426],{},[368,424,425],{},"Typical mainstream car",[368,427,428],{},"~0.7%",[11,430,431,432,435],{},"A KTM in the data is nearly ",[15,433,434],{},"ten times"," more likely to carry a stolen record than a typical mainstream car.",[32,437,439],{"id":438},"the-national-picture-backs-this-up","The national picture backs this up",[11,441,442,443,448],{},"Vehicle theft is not a legacy problem in Australia — it is getting worse. The Australian Bureau of Statistics recorded ",[77,444,447],{"href":445,"rel":446},"https://www.abs.gov.au/statistics/people/crime-and-justice/recorded-crime-victims-australia/latest-release",[81],"66,625 motor vehicle theft victims in 2025",", an increase of 2% on the previous year and the highest number in 17 years.",[32,450,452],{"id":451},"why-motorcycles-lead-the-list","Why motorcycles lead the list",[40,454,455,462,469,475],{},[43,456,457,458,461],{},"Bikes are ",[15,459,460],{},"easy to move"," — two people and a trailer can take one in minutes.",[43,463,464,465,468],{},"They are ",[15,466,467],{},"easy to part out"," — engines, wheels and panels are valuable and hard to trace.",[43,470,471,472,18],{},"Premium off-road and adventure models hold ",[15,473,474],{},"strong resale value",[43,476,477],{},"Identity details on older bikes are easier to misrepresent than a car's full identity record.",[11,479,480],{},"None of this means a used KTM or Yamaha is automatically suspicious — it means the stolen check matters far more for a bike than for most cars.",[32,482,484],{"id":483},"stolen-risk-by-vehicle-category","Stolen risk by vehicle category",[89,486],{"data":487,"note":488,"title":489,"unit":94},"Motorcycle:2.50|Caravan or trailer:0.84|Truck / heavy vehicle:0.67|Passenger car:0.64|Light commercial / ute:0.56|Bus:0.44","Motorcycles are roughly four times more likely to carry a stolen record than a passenger car — the widest gap between any two categories in the data.","Stolen-record rate by vehicle category",[11,491,492,493,496],{},"Two things stand out. First, the gap is structural rather than model-specific: it holds across every motorcycle brand with enough volume to measure. Second, utes and light commercial vehicles — the vehicles most often bought at auction and resold quickly — have the ",[15,494,495],{},"lowest"," stolen rate of the major categories, which cuts against the common assumption that work vehicles are the risky ones.",[32,498,500],{"id":499},"if-you-are-buying-a-motorcycle","If you are buying a motorcycle",[112,502,503,513,519,525,532],{},[43,504,505,508,509,18],{},[15,506,507],{},"Run a PPSR stolen check first"," — it covers the whole country and costs ",[77,510,512],{"href":140,"rel":511},[81],"$2",[43,514,515,518],{},[15,516,517],{},"Match the engine number and VIN"," against the paperwork in person, not from photos.",[43,520,165,521,524],{},[15,522,523],{},"original keys, logbook and service records"," — their absence is a red flag.",[43,526,527,528,531],{},"Be sceptical of a ",[15,529,530],{},"below-market price"," on a late-model, low-kilometre bike.",[43,533,534],{},"Confirm the seller's identity matches the registration records.",[32,536,538],{"id":537},"if-you-are-selling-a-motorcycle","If you are selling a motorcycle",[40,540,541,547,553],{},[43,542,543,546],{},[15,544,545],{},"Provide the check yourself."," A $2 PPSR search showing no stolen or finance record answers the buyer's biggest question before they ask it.",[43,548,549,552],{},[15,550,551],{},"Photograph the VIN and engine number"," as part of the listing to pre-empt doubts.",[43,554,555,558],{},[15,556,557],{},"Keep the service file"," — a documented bike sells faster and for more.",[32,560,210],{"id":209},[11,562,563],{},"For most used cars, a stolen record is a low-probability risk. For motorcycles — especially premium enduro and adventure models — it is common enough to be a required check, not an optional one.",[32,565,217],{"id":216},[40,567,568,572,578],{},[43,569,570],{},[77,571,225],{"href":224},[43,573,574],{},[77,575,577],{"href":576},"/resources/history-risk/AUCN-Data-Which-Brands-Are-Most-Likely-to-Have-Finance-Owing","Which brands still have finance owing",[43,579,580],{},[77,581,231],{"href":230},[32,583,241],{"id":240},[40,585,586,592],{},[43,587,588],{},[77,589,591],{"href":445,"rel":590},[81],"ABS — Recorded Crime: Victims, 2025",[43,593,594,255],{},[77,595,254],{"href":140,"rel":596},[81],[269,598,599],{},[11,600,601,603,604,281],{},[15,602,275],{}," AUCN Data, percentage basis, based on AUCN PPSR checks through September 2026. Aggregated percentages only; no individual vehicles or personal information are published. Motorcycle brands have smaller check volumes than major car brands and are noted as approximate. See the ",[77,605,280],{"href":279},{"title":283,"searchDepth":284,"depth":284,"links":607},[608,609,610,611,612,613,614,615,616],{"id":339,"depth":284,"text":340},{"id":438,"depth":284,"text":439},{"id":451,"depth":284,"text":452},{"id":483,"depth":284,"text":484},{"id":499,"depth":284,"text":500},{"id":537,"depth":284,"text":538},{"id":209,"depth":284,"text":210},{"id":216,"depth":284,"text":217},{"id":240,"depth":284,"text":241},"/images/articles/aucn-data-03-stolen-cover.png?v=2","Motorcycles show stolen records about four times more often than cars in AUCN data, as national vehicle theft hits a 17-year high. See the rates and how to check.",[620,623,626,629],{"q":621,"a":622},"Are motorcycles more likely to have a stolen record than cars?","Yes. In AUCN's check data, motorcycles show a stolen-record rate of 2.50% against 0.64% for passenger cars — roughly four times higher.",{"q":624,"a":625},"How many vehicles are stolen in Australia each year?","The Australian Bureau of Statistics recorded 66,625 motor vehicle theft victims in 2025, up 2% on the previous year and the highest number in 17 years.",{"q":627,"a":628},"Does a PPSR search include stolen status?","Yes. A single $2 PPSR vehicle search covers finance owing, written-off history and stolen status, and it works nationally, not just in your state.",{"q":630,"a":631},"Which state has the lowest stolen rate?","Tasmania recorded the lowest stolen-record rate in AUCN's data at 0.12%, compared with 0.85% in Victoria and 0.78% in Queensland.",{"createdAt":314},"/history-risk/aucn-data-motorcycles-top-the-stolen-list",{"title":327,"description":618},"AUCN-Data-Motorcycles-Top-the-Stolen-List","history-risk/AUCN-Data-Motorcycles-Top-the-Stolen-List","cZqznipmF8LjgfU6u-UCG21ngB46ZBrb_5MyFCOnBJ4",{"id":639,"title":640,"articleId":641,"body":642,"category":295,"categorySlug":296,"cover":1233,"description":1234,"extension":299,"faq":1235,"meta":1248,"navigation":315,"path":1249,"readTime":1250,"seo":1251,"slug":1252,"stem":1253,"updatedAt":321,"__hash__":1254},"content/history-risk/AUCN-Data-Nearly-1-in-4-Used-Cars-Carry-a-Hidden-Risk-Flag.md","AUCN Data: Nearly 1 in 4 Used Cars Carry a Hidden Risk Flag",54,{"type":8,"value":643,"toc":1212},[644,652,659,662,666,671,717,720,735,742,746,756,763,766,770,773,778,783,786,790,795,802,811,815,821,824,828,833,845,848,852,882,904,908,914,920,923,955,964,968,973,1009,1013,1019,1022,1026,1029,1040,1043,1045,1097,1101,1104,1130,1134,1154,1156,1159,1162,1164,1203],[11,645,646,647,651],{},"If you are buying a used car in Australia, the question is not whether something ",[648,649,650],"em",{},"could"," be wrong. The question is how often something actually is.",[11,653,654,655,658],{},"AUCN analyses the outcome of every PPSR and vehicle-history check it runs. Across all checks through September 2026, nearly ",[15,656,657],{},"one in four vehicles"," carried at least one risk flag: finance owing, a written-off record, a stolen record, or an odometer anomaly.",[11,660,661],{},"Every figure below is a percentage, drawn from AUCN's own check data — and each one comes with what it means for your decision.",[32,663,665],{"id":664},"the-four-risks-by-the-numbers","The four risks, by the numbers",[89,667],{"data":668,"note":669,"title":670,"unit":94},"Finance owing:10.8|Written-off history:8.6|Odometer anomaly:4.2|Reported stolen:0.7","Share of checked vehicles. Percentages are mutually non-exclusive — one vehicle can carry more than one flag.","Risk flags found in AUCN vehicle checks",[347,672,673,683],{},[350,674,675],{},[353,676,677,680],{},[356,678,679],{},"Risk flag",[356,681,682],{},"Share of checks",[363,684,685,693,701,709],{},[353,686,687,690],{},[368,688,689],{},"Finance owing (active security interest)",[368,691,692],{},"10.8%",[353,694,695,698],{},[368,696,697],{},"Written-off history",[368,699,700],{},"8.6%",[353,702,703,706],{},[368,704,705],{},"Odometer anomaly",[368,707,708],{},"4.2%",[353,710,711,714],{},[368,712,713],{},"Reported stolen",[368,715,716],{},"0.7%",[11,718,719],{},"Two numbers deserve the most attention:",[40,721,722,729],{},[43,723,724,725,728],{},"About ",[15,726,727],{},"1 in 9"," vehicles still had finance owing when checked.",[43,730,724,731,734],{},[15,732,733],{},"1 in 12"," had a written-off history.",[11,736,737,738,741],{},"Both are exactly the risks a PPSR search exists to uncover. The official PPSR service is run by the Australian Financial Security Authority (AFSA), and a vehicle search costs ",[77,739,512],{"href":140,"rel":740},[81]," — which is why the check is the cheapest form of protection in the whole transaction.",[32,743,745],{"id":744},"one-check-multiple-risks","One check, multiple risks",[11,747,748,749,752,753,755],{},"Risk flags overlap. A car can have finance owing ",[648,750,751],{},"and"," a past write-off, or an odometer anomaly ",[648,754,751],{}," stolen history.",[23,757],{"big":758,"caption":759,"legend":760,"note":761,"value":762},"≈ 1 in 4","of checked vehicles carried at least one risk flag","Finance owing, written-off, stolen or odometer anomaly","Narrowing to the two biggest flags only, 19.2% had finance owing or a written-off record.","22.8",[11,764,765],{},"That is the real headline: a \"clean car\" is not the default assumption. It is something you verify — before money changes hands, not after.",[32,767,769],{"id":768},"where-you-buy-changes-the-odds","Where you buy changes the odds",[11,771,772],{},"Risk is not evenly spread across Australia.",[774,775,777],"h3",{"id":776},"the-state-ranking-by-overall-risk","The state ranking by overall risk",[89,779],{"data":780,"note":781,"title":782,"unit":94},"Western Australia:27.5|Queensland:25.4|South Australia:24.8|Northern Territory:23.8|Victoria:21.8|ACT:21.3|Tasmania:19.8|New South Wales:18.6","Any of finance owing, written-off history, stolen record or odometer anomaly.","Share of checks with at least one risk flag, by state",[11,784,785],{},"Western Australia tops the national ranking when all four flags are combined, and the spread between the highest and lowest state is nearly nine percentage points.",[774,787,789],{"id":788},"written-off-history-by-state","Written-off history by state",[89,791],{"data":792,"note":793,"title":794,"unit":94},"South Australia:12.5|Queensland:12.4|Western Australia:11.4|Northern Territory:9.3|ACT:8.0|Tasmania:7.3|Victoria:6.9|New South Wales:4.2","Queensland, Western Australia and South Australia run at roughly twice the Victorian and NSW rates.","Written-off rate by state (share of checks)",[11,796,797,798,801],{},"The gap is striking: write-off flags in QLD, WA and SA run at ",[15,799,800],{},"1.65–1.81 times the Victorian rate — and close to three times the New South Wales rate of 4.2%",". Severe weather — hailstorms and flooding — plus long distances and harder operating conditions help explain why.",[11,803,804,805,810],{},"It also means an interstate import deserves extra scrutiny. Every state runs a written-off vehicle register, and the ",[77,806,809],{"href":807,"rel":808},"https://www.vicroads.vic.gov.au/registration/buy-sell-or-transfer-a-vehicle",[81],"Victorian"," and Queensland systems are good places to start reading about how the registers work.",[774,812,814],{"id":813},"finance-owing-by-state","Finance owing by state",[89,816],{"data":817,"note":818,"title":819,"unit":94,"accent":820},"Northern Territory:12.4|Victoria:11.5|New South Wales:11.1|Queensland:10.6|Western Australia:10.6|Tasmania:9.9|ACT:9.5|South Australia:9.0","Every state sits in roughly the 9–12% band, so no market is safe to skip the check.","Finance owing by state (share of checks)","#50A4FF",[11,822,823],{},"Finance owing is far more uniform across the country — every state sits in roughly the 9–12% range. Stolen records are rarer overall (0.7%), with Tasmania recording the lowest stolen rate in AUCN's data.",[32,825,827],{"id":826},"odometer-anomalies-are-more-common-than-people-think","Odometer anomalies are more common than people think",[11,829,724,830,832],{},[15,831,708],{}," of checks show an odometer anomaly — evidence that the recorded odometer history does not line up with the current reading. The typical patterns:",[40,834,835,839,842],{},[43,836,45,837,49],{},[648,838,48],{},[43,840,841],{},"a sudden jump in one year that does not fit the vehicle's history",[43,843,844],{},"low kilometres for age with no supporting service records",[11,846,847],{},"An anomaly flag is not proof of fraud on its own. But it is a reason to slow down, ask for the logbook, and verify service stamps against the odometer before you pay.",[32,849,851],{"id":850},"what-the-brands-tell-you","What the brands tell you",[40,853,854,860,866,876],{},[43,855,856,859],{},[15,857,858],{},"Finance concentrates in expensive, newer vehicles."," Commercial trucks run at 32–39%, Tesla and BYD sit near 30%, and Haval, LDV, Chery and Porsche cluster in the 23–28% range.",[43,861,862,865],{},[15,863,864],{},"Older, cheaper cars are the cleanest on finance"," — Daihatsu, Honda, Suzuki and Subaru all sit below 7%.",[43,867,868,871,872,875],{},[15,869,870],{},"Motorcycles dominate the stolen list",": KTM, Husqvarna and Yamaha show stolen rates far above mainstream cars. Nationally, the ABS recorded ",[77,873,447],{"href":445,"rel":874},[81],", the highest in 17 years.",[43,877,878,881],{},[15,879,880],{},"Write-off history is its own pattern."," It peaks not on prestige brands but on high-volume models with long production runs — Mazda (16.4%), Audi (14.8%), Kia (13.7%) and Honda (13.5%) lead the data.",[11,883,884,885,888,889,888,893,888,896,178,900,18],{},"Each of these patterns has its own deep-dive: ",[77,886,887],{"href":576},"finance owing by brand",", ",[77,890,892],{"href":891},"/resources/history-risk/AUCN-Data-Motorcycles-Top-the-Stolen-List","stolen records",[77,894,895],{"href":230},"written-off rates by state",[77,897,899],{"href":898},"/resources/history-risk/AUCN-Data-How-Common-Are-Odometer-Anomalies","odometer anomalies",[77,901,903],{"href":902},"/resources/valuation/AUCN-Data-How-Much-Value-a-Car-Keeps-by-Age","value retention by age",[32,905,907],{"id":906},"risk-peaks-in-mid-age-cars-not-old-ones","Risk peaks in mid-age cars, not old ones",[11,909,910,911,18],{},"The most counter-intuitive finding in the data: ",[15,912,913],{},"risk does not rise with age — it peaks in the middle",[89,915],{"data":916,"note":917,"title":918,"unit":94,"accent":919},"4-7 years old:39.9|0-3 years old:37.0|8-11 years old:31.5|12-15 years old:23.2|16+ years old:13.3","Any of finance owing, written-off history, stolen record or odometer anomaly. Age is based on the recorded build year.","Risk flags by vehicle age (any flag)","#FF4033",[11,921,922],{},"The reasons differ by age band, and each has a different lesson for buyers:",[40,924,925,931,937,943,949],{},[43,926,927,930],{},[15,928,929],{},"0–3 years:"," risk is almost entirely finance — 26.2% still carry a security interest, because the loan is young.",[43,932,933,936],{},[15,934,935],{},"4–7 years:"," the highest-risk window overall at 39.9%. Finance is still common (23.8%) and write-offs climb to 11.3%.",[43,938,939,942],{},[15,940,941],{},"8–11 years:"," write-off history peaks at 12.0% and odometer anomalies peak at 7.4% — this is where history gets messy.",[43,944,945,948],{},[15,946,947],{},"12–15 years:"," finance falls away (8.5%), but write-offs are still above 10%.",[43,950,951,954],{},[15,952,953],{},"16+ years:"," the cleanest group by percentage — most finance is long discharged, and the cars still on the road have survived.",[11,956,957,958,963],{},"That lines up with the national fleet: the ABS Motor Vehicle Census puts the ",[77,959,962],{"href":960,"rel":961},"https://www.abs.gov.au/statistics/industry/tourism-and-transport/motor-vehicle-census-australia/latest-release",[81],"average age of Australian vehicles at 10.6 years",", with Tasmania the oldest at 13.3 years.",[32,965,967],{"id":966},"vehicle-type-changes-the-odds-too","Vehicle type changes the odds too",[89,969],{"data":970,"note":971,"title":972,"unit":94,"accent":820},"Truck / heavy vehicle:31.8|Passenger car:24.8|Light commercial / ute:23.5|Bus:16.8|Motorcycle:15.7|Caravan or trailer:15.1","Trucks lead on finance; motorcycles lead on stolen records; caravans are the cleanest category overall.","Share of checks with at least one risk flag, by vehicle category",[40,974,975,981,987,993,1003],{},[43,976,977,980],{},[15,978,979],{},"Trucks and heavy vehicles"," carry the most risk (31.8%), driven by finance at 19.4% — they are business assets with long finance terms.",[43,982,983,986],{},[15,984,985],{},"Passenger cars"," sit at 24.8%, with write-offs at 10.4%.",[43,988,989,992],{},[15,990,991],{},"Utes and light commercial vehicles"," are close behind at 23.5%, with finance at 13.8% but a lower write-off rate (6.4%).",[43,994,995,998,999,1002],{},[15,996,997],{},"Motorcycles"," show the lowest overall risk (15.7%) but the ",[15,1000,1001],{},"highest stolen rate of any category at 2.50%"," — almost four times the passenger-car rate. Odometer data is not returned for motorcycles, so this category figure understates their risk profile: on stolen records alone they lead every category.",[43,1004,1005,1008],{},[15,1006,1007],{},"Caravans and trailers"," are the cleanest on history (15.1%), though 8.7% still carry finance.",[32,1010,1012],{"id":1011},"one-in-fourteen-checked-vehicles-had-expired-registration","One in fourteen checked vehicles had expired registration",[11,1014,1015,1016,18],{},"Across the checks where a registration record was available, ",[15,1017,1018],{},"7.0% of vehicles had an expired registration at the time of the check",[11,1020,1021],{},"That matters for two reasons: an unregistered vehicle cannot legally be driven on the road (and is usually uninsured), and an expired rego often signals a car that has been sitting unused — which brings its own risks around brakes, tyres, fuel systems and battery condition.",[32,1023,1025],{"id":1024},"risk-levels-are-stable-but-finance-is-creeping-up","Risk levels are stable — but finance is creeping up",[11,1027,1028],{},"Across the last four full years of checks, the overall share of vehicles with at least one flag has stayed in a narrow band around 22–24%. Within that, the mix has shifted:",[40,1030,1031,1034,1037],{},[43,1032,1033],{},"finance owing has moved from around 10.1% to 11.1%",[43,1035,1036],{},"written-off history has edged from 8.4% to 9.0%",[43,1038,1039],{},"odometer anomalies have fallen from 4.9% to 2.0%",[11,1041,1042],{},"In other words, the market is not getting dramatically riskier — but the balance of risk is moving toward finance and write-off history, which are exactly the two things a PPSR search settles in a single $2 check.",[32,1044,153],{"id":152},[112,1046,1047,1053,1069,1075,1081,1087],{},[43,1048,1049,1052],{},[15,1050,1051],{},"Run the PPSR check first."," Finance, written-off and stolen status in one search — before you inspect, not after you agree on a price.",[43,1054,1055,1058,1059,1063,1064,1068],{},[15,1056,1057],{},"Confirm the rego."," Check the plate matches the VIN and the seller's documents. In NSW you have ",[77,1060,1062],{"href":175,"rel":1061},[81],"14 days to transfer registration","; in Queensland the same ",[77,1065,1067],{"href":181,"rel":1066},[81],"14-day rule applies",". A seller who wants to skip the paperwork is a warning sign.",[43,1070,1071,1074],{},[15,1072,1073],{},"Match the odometer against records",", not just the dashboard.",[43,1076,1077,1080],{},[15,1078,1079],{},"Treat 8–14-year-old cars with extra care"," — that is where flags concentrate.",[43,1082,1083,1086],{},[15,1084,1085],{},"If finance shows up, get a payout letter"," and confirm the security interest is discharged before settlement.",[43,1088,1089,1092,1093,1096],{},[15,1090,1091],{},"Know your protections."," Used cars bought from a dealer come with guarantees under the ",[77,1094,82],{"href":79,"rel":1095},[81],", separate from any manufacturer warranty.",[32,1098,1100],{"id":1099},"if-you-are-selling-or-trading-in","If you are selling or trading in",[11,1102,1103],{},"Sellers are checked too — and a clean report is a selling tool:",[40,1105,1106,1112,1118,1124],{},[43,1107,1108,1111],{},[15,1109,1110],{},"Clear finance before listing."," A payout letter plus a $2 PPSR search showing no security interest removes the biggest objection a buyer has.",[43,1113,1114,1117],{},[15,1115,1116],{},"Keep the service history together."," Every odometer anomaly flag started as a missing or inconsistent record.",[43,1119,1120,1123],{},[15,1121,1122],{},"Expect a written-off history to be priced in."," If the car has repair history, a buyer will find it, so disclose it early and price accordingly.",[43,1125,1126,1129],{},[15,1127,1128],{},"Offer the report to buyers."," A seller-provided PPSR search shortens negotiation and reduces dispute risk.",[32,1131,1133],{"id":1132},"if-you-are-a-dealer-or-buying-stock","If you are a dealer or buying stock",[40,1135,1136,1142,1148],{},[43,1137,1138,1141],{},[15,1139,1140],{},"Screen every trade-in and auction purchase"," — trucks and late-model EVs are the highest finance-risk categories in the data.",[43,1143,1144,1147],{},[15,1145,1146],{},"Refresh checks on aged stock."," Finance can be registered against a vehicle after you buy it, and ORI registrations can be added by a previous owner's lender.",[43,1149,1150,1153],{},[15,1151,1152],{},"Document each check"," in the vehicle file to support compliance and dispute resolution.",[32,1155,210],{"id":209},[11,1157,1158],{},"AUCN's own data shows that a used car with a completely clean history is not the majority default — it is a finding you confirm. Nearly 1 in 4 vehicles carries at least one risk flag, and finance or write-off issues alone appear in about 1 in 5.",[11,1160,1161],{},"The good news: almost every one of those risks is discoverable in minutes with the right check — before you pay, and before the problem becomes yours.",[32,1163,241],{"id":240},[40,1165,1166,1171,1177,1182,1187,1192,1198],{},[43,1167,1168,255],{},[77,1169,254],{"href":140,"rel":1170},[81],[43,1172,1173],{},[77,1174,1176],{"href":960,"rel":1175},[81],"ABS — Motor Vehicle Census, Australia",[43,1178,1179],{},[77,1180,591],{"href":445,"rel":1181},[81],[43,1183,1184],{},[77,1185,261],{"href":175,"rel":1186},[81],[43,1188,1189],{},[77,1190,267],{"href":181,"rel":1191},[81],[43,1193,1194],{},[77,1195,1197],{"href":807,"rel":1196},[81],"VicRoads — Buy, sell or transfer a vehicle",[43,1199,1200],{},[77,1201,82],{"href":79,"rel":1202},[81],[269,1204,1205],{},[11,1206,1207,1209,1210,281],{},[15,1208,275],{}," AUCN Data, percentage basis, based on AUCN PPSR and vehicle-history checks through September 2026. Figures are aggregated percentages only; no individual vehicle or personal information is published. Written-off rates reflect vehicle age, model mix and operating environment and are not a measure of brand quality. External figures are quoted from the sources listed above. See the ",[77,1211,280],{"href":279},{"title":283,"searchDepth":284,"depth":284,"links":1213},[1214,1215,1216,1222,1223,1224,1225,1226,1227,1228,1229,1230,1231,1232],{"id":664,"depth":284,"text":665},{"id":744,"depth":284,"text":745},{"id":768,"depth":284,"text":769,"children":1217},[1218,1220,1221],{"id":776,"depth":1219,"text":777},3,{"id":788,"depth":1219,"text":789},{"id":813,"depth":1219,"text":814},{"id":826,"depth":284,"text":827},{"id":850,"depth":284,"text":851},{"id":906,"depth":284,"text":907},{"id":966,"depth":284,"text":967},{"id":1011,"depth":284,"text":1012},{"id":1024,"depth":284,"text":1025},{"id":152,"depth":284,"text":153},{"id":1099,"depth":284,"text":1100},{"id":1132,"depth":284,"text":1133},{"id":209,"depth":284,"text":210},{"id":240,"depth":284,"text":241},"/images/articles/aucn-data-1-in-4-cover.png?v=2","Nearly one in four used cars carries at least one risk flag. See AUCN's breakdown by state, vehicle type and age — and what to check before you buy.",[1236,1239,1242,1245],{"q":1237,"a":1238},"How common are risk flags on used cars in Australia?","In AUCN's check data, 22.8% of vehicles — nearly one in four — carried at least one risk flag: finance owing, a written-off record, a stolen record or an odometer anomaly.",{"q":1240,"a":1241},"What percentage of used cars still have finance owing?","10.8% of checks showed an active security interest. The rate is highest on commercial trucks (19.4% by category) and on vehicles aged 0–7 years, where it runs between 23% and 26%.",{"q":1243,"a":1244},"Which state has the highest overall risk?","Western Australia, where 27.5% of checks carried at least one flag, followed by Queensland (25.4%) and South Australia (24.8%). New South Wales recorded the lowest rate at 18.6%.",{"q":1246,"a":1247},"Do I still need a PPSR check if the seller says the car is paid off?","Yes. A PPSR vehicle search costs $2 and is the only reliable confirmation of finance, written-off and stolen status. A seller's statement cannot clear a registered security interest.",{"createdAt":314},"/history-risk/aucn-data-nearly-1-in-4-used-cars-carry-a-hidden-risk-flag",8,{"title":640,"description":1234},"AUCN-Data-Nearly-1-in-4-Used-Cars-Carry-a-Hidden-Risk-Flag","history-risk/AUCN-Data-Nearly-1-in-4-Used-Cars-Carry-a-Hidden-Risk-Flag","B2hJkV8LgQ3V_6HLalgrHku2-Qya1sTFqZ2nmWVIC4Q",{"id":1256,"title":1257,"articleId":1258,"body":1259,"category":295,"categorySlug":296,"cover":1624,"description":1625,"extension":299,"faq":1626,"meta":1639,"navigation":315,"path":1640,"readTime":317,"seo":1641,"slug":1642,"stem":1643,"updatedAt":321,"__hash__":1644},"content/history-risk/AUCN-Data-Which-Brands-Are-Most-Likely-to-Have-Finance-Owing.md","AUCN Data: Which Brands Are Most Likely to Still Have Finance Owing",55,{"type":8,"value":1260,"toc":1611},[1261,1264,1267,1271,1276,1369,1373,1378,1428,1432,1435,1455,1463,1467,1472,1476,1481,1488,1490,1516,1518,1538,1540,1560,1562,1565,1567,1583,1585,1602],[11,1262,1263],{},"Finance owing is the most common risk flag in used-car checks — but it is nowhere near evenly spread. Depending on the brand, the share of vehicles still carrying an active security interest ranges from below 1% to roughly 39%.",[11,1265,1266],{},"These percentages come from AUCN's own PPSR check data. If you know where your car sits on the list, you know how much you need to verify before paying.",[32,1268,1270],{"id":1269},"the-brands-at-the-top","The brands at the top",[89,1272],{"data":1273,"note":1274,"title":1275,"unit":94},"Kenworth:39.3|RAM:38.6|Scania:36.5|Fuso:35.8|Mack:32.4|BYD:30.6|Tesla:29.8|Haval:28.1|LDV:27.7|Porsche:23.3","Share of AUCN checks on that brand showing an active security interest. Smaller-volume brands are approximate.","Finance-owing rate by brand (highest)",[347,1277,1278,1287],{},[350,1279,1280],{},[353,1281,1282,1284],{},[356,1283,358],{},[356,1285,1286],{},"Finance-owing rate",[363,1288,1289,1297,1305,1313,1321,1329,1337,1345,1353,1361],{},[353,1290,1291,1294],{},[368,1292,1293],{},"Kenworth (truck)",[368,1295,1296],{},"39.3%",[353,1298,1299,1302],{},[368,1300,1301],{},"RAM",[368,1303,1304],{},"38.6%",[353,1306,1307,1310],{},[368,1308,1309],{},"Scania (truck)",[368,1311,1312],{},"36.5%",[353,1314,1315,1318],{},[368,1316,1317],{},"Fuso (truck)",[368,1319,1320],{},"35.8%",[353,1322,1323,1326],{},[368,1324,1325],{},"Mack (truck)",[368,1327,1328],{},"32.4%",[353,1330,1331,1334],{},[368,1332,1333],{},"BYD",[368,1335,1336],{},"30.6%",[353,1338,1339,1342],{},[368,1340,1341],{},"Tesla",[368,1343,1344],{},"29.8%",[353,1346,1347,1350],{},[368,1348,1349],{},"Haval",[368,1351,1352],{},"28.1%",[353,1354,1355,1358],{},[368,1356,1357],{},"LDV",[368,1359,1360],{},"27.7%",[353,1362,1363,1366],{},[368,1364,1365],{},"Porsche",[368,1367,1368],{},"23.3%",[32,1370,1372],{"id":1371},"the-brands-at-the-bottom","The brands at the bottom",[89,1374],{"data":1375,"note":1376,"title":1377,"unit":94,"accent":820},"Subaru:6.6|Suzuki:5.3|Peugeot:4.2|Honda:4.0|Daihatsu:0.7","Older, lower-priced vehicles where any original finance has usually been discharged.","Finance-owing rate by brand (lowest)",[347,1379,1380,1388],{},[350,1381,1382],{},[353,1383,1384,1386],{},[356,1385,358],{},[356,1387,1286],{},[363,1389,1390,1398,1406,1413,1421],{},[353,1391,1392,1395],{},[368,1393,1394],{},"Subaru",[368,1396,1397],{},"6.6%",[353,1399,1400,1403],{},[368,1401,1402],{},"Suzuki",[368,1404,1405],{},"5.3%",[353,1407,1408,1411],{},[368,1409,1410],{},"Peugeot",[368,1412,708],{},[353,1414,1415,1418],{},[368,1416,1417],{},"Honda",[368,1419,1420],{},"4.0%",[353,1422,1423,1426],{},[368,1424,1425],{},"Daihatsu",[368,1427,716],{},[32,1429,1431],{"id":1430},"why-the-gap-is-so-wide","Why the gap is so wide",[11,1433,1434],{},"The pattern is not really about brand reputation — it is about price, age and what the vehicle is used for:",[40,1436,1437,1443,1449],{},[43,1438,1439,1442],{},[15,1440,1441],{},"Commercial trucks sit at the very top."," A Kenworth, Mack or Scania is an expensive business asset and almost always financed at some point.",[43,1444,1445,1448],{},[15,1446,1447],{},"New and premium vehicles follow the same logic."," Tesla, BYD, Haval, LDV and Chery are mostly late-model cars still inside a finance term, and a Porsche is rarely paid for in cash.",[43,1450,1451,1454],{},[15,1452,1453],{},"Older, cheaper cars are the cleanest."," By the time a car reaches the age and price of a typical Honda, Suzuki or Daihatsu, the original loan has usually been paid off long ago.",[11,1456,1457,1458,1462],{},"A vehicle search on the ",[77,1459,1461],{"href":140,"rel":1460},[81],"PPSR"," costs $2 and is the only reliable way to confirm whether an interest is still registered — a seller's word is not evidence.",[32,1464,1466],{"id":1465},"the-pattern-holds-by-vehicle-type","The pattern holds by vehicle type",[89,1468],{"data":1469,"note":1470,"title":1471,"unit":94},"Truck / heavy vehicle:19.4|Light commercial / ute:13.8|Bus:11.8|Passenger car:10.0|Caravan or trailer:8.7|Motorcycle:6.2","The same logic as the brand table: the bigger the asset and the longer the finance term, the more likely an interest is still registered.","Finance-owing rate by vehicle category",[32,1473,1475],{"id":1474},"and-by-vehicle-age","And by vehicle age",[89,1477],{"data":1478,"note":1479,"title":1480,"unit":94,"accent":919},"0-3 years old:26.2|4-7 years old:23.8|8-11 years old:14.1|12-15 years old:8.5|16+ years old:4.1","Almost one in four vehicles in the 4–7 year window still carries finance — the stage when many private buyers assume the loan is long gone.","Finance-owing rate by vehicle age",[11,1482,1483,1484,1487],{},"This is the single most useful reframe for buyers: ",[15,1485,1486],{},"finance risk is highest exactly where used-car buyers shop",". A four-to-seven-year-old car looks like the sensible middle of the market, and it is — but in that band, close to one in four vehicles still has a registered security interest.",[32,1489,153],{"id":152},[112,1491,1492,1498,1504,1510],{},[43,1493,1494,1497],{},[15,1495,1496],{},"Check the PPSR before negotiating."," If finance is registered, the price is not the real price until the payout is confirmed.",[43,1499,1500,1503],{},[15,1501,1502],{},"Ask for a payout letter"," from the lender and confirm the discharge date in writing.",[43,1505,1506,1509],{},[15,1507,1508],{},"Settle the finance at settlement"," — do not accept \"I'll pay it off next week\".",[43,1511,1512,1515],{},[15,1513,1514],{},"Re-check on the day you pay."," A security interest can be registered against a vehicle at any time before settlement.",[32,1517,1100],{"id":1099},[40,1519,1520,1526,1532],{},[43,1521,1522,1525],{},[15,1523,1524],{},"Discharge finance before you advertise."," A clear PPSR result removes the single biggest objection buyers raise.",[43,1527,1528,1531],{},[15,1529,1530],{},"Have the paperwork ready",": payout letter, discharge confirmation, service records, and the original PPSR search.",[43,1533,1534,1537],{},[15,1535,1536],{},"Expect buyers to ask for a $2 search."," Offering it yourself shortens the deal and protects you from disputes later.",[32,1539,1133],{"id":1132},[40,1541,1542,1548,1554],{},[43,1543,1544,1547],{},[15,1545,1546],{},"Screen every trade-in",", especially utes, trucks, EVs and premium vehicles — the four highest-risk categories in the data.",[43,1549,1550,1553],{},[15,1551,1552],{},"Re-check aged stock."," Finance or a new registration can appear on a vehicle after purchase.",[43,1555,1556,1559],{},[15,1557,1558],{},"Keep each search in the vehicle file"," to support compliance and dispute resolution.",[32,1561,210],{"id":209},[11,1563,1564],{},"Finance owing is common enough to check on every car — but the odds change sharply by brand and vehicle type. If you are buying a truck, a late-model EV or Chinese-brand SUV, or any premium vehicle, a $2 PPSR search is the highest-value five minutes in the whole purchase.",[32,1566,217],{"id":216},[40,1568,1569,1573,1578],{},[43,1570,1571],{},[77,1572,225],{"href":224},[43,1574,1575],{},[77,1576,1577],{"href":891},"Motorcycles top the stolen list",[43,1579,1580],{},[77,1581,1582],{"href":902},"How much value a car keeps by age",[32,1584,241],{"id":240},[40,1586,1587,1592,1597],{},[43,1588,1589,255],{},[77,1590,254],{"href":140,"rel":1591},[81],[43,1593,1594],{},[77,1595,82],{"href":79,"rel":1596},[81],[43,1598,1599],{},[77,1600,1197],{"href":807,"rel":1601},[81],[269,1603,1604],{},[11,1605,1606,1608,1609,281],{},[15,1607,275],{}," AUCN Data, percentage basis, based on AUCN PPSR checks through September 2026. Aggregated percentages only; no individual vehicles or personal information are published. Smaller-volume brands are noted as approximate. See the ",[77,1610,280],{"href":279},{"title":283,"searchDepth":284,"depth":284,"links":1612},[1613,1614,1615,1616,1617,1618,1619,1620,1621,1622,1623],{"id":1269,"depth":284,"text":1270},{"id":1371,"depth":284,"text":1372},{"id":1430,"depth":284,"text":1431},{"id":1465,"depth":284,"text":1466},{"id":1474,"depth":284,"text":1475},{"id":152,"depth":284,"text":153},{"id":1099,"depth":284,"text":1100},{"id":1132,"depth":284,"text":1133},{"id":209,"depth":284,"text":210},{"id":216,"depth":284,"text":217},{"id":240,"depth":284,"text":241},"/images/articles/aucn-data-02-brand-finance-cover.png?v=2","Trucks and late-model EVs show finance owing in 23–39% of AUCN checks, while older budget cars sit under 7%. See the brand, type and age breakdown.",[1627,1630,1633,1636],{"q":1628,"a":1629},"Which brands are most likely to still have finance owing?","Commercial trucks lead: Kenworth 39.3%, RAM 38.6%, Scania 36.5%, Fuso 35.8% and Mack 32.4%. Among cars, BYD (30.6%) and Tesla (29.8%) are highest, followed by Haval, LDV, Chery and Porsche in the 23–28% range.",{"q":1631,"a":1632},"Which vehicles are least likely to have finance owing?","Older, lower-priced vehicles: Daihatsu 0.7%, Honda 4.0%, Peugeot 4.2%, Suzuki 5.3% and Subaru 6.6%.",{"q":1634,"a":1635},"Does the age of a car change the finance-owing rate?","Yes, sharply. Finance owing runs at 26.2% for 0–3-year-old vehicles, 23.8% for 4–7 years, 14.1% for 8–11 years, 8.5% for 12–15 years and 4.1% for 16+ years.",{"q":1637,"a":1638},"How do I confirm finance has actually been discharged?","Get a payout letter from the lender, confirm discharge in writing, and run a fresh PPSR search on the day of settlement — a security interest can be registered at any time before then.",{"createdAt":314},"/history-risk/aucn-data-which-brands-are-most-likely-to-have-finance-owing",{"title":1257,"description":1625},"AUCN-Data-Which-Brands-Are-Most-Likely-to-Have-Finance-Owing","history-risk/AUCN-Data-Which-Brands-Are-Most-Likely-to-Have-Finance-Owing","p0RP7bgpPUPKEwDbCDGd5xjo8EzkRwD3xibIRYC1gMY",1790756169141]