[{"data":1,"prerenderedAt":1645},["ShallowReactive",2],{"article-history-risk-AUCN-Data-Motorcycles-Top-the-Stolen-List":3,"article-id-AUCN-Data-Motorcycles-Top-the-Stolen-List":356,"related-AUCN-Data-Motorcycles-Top-the-Stolen-List":357},{"id":4,"title":5,"articleId":6,"body":7,"category":328,"categorySlug":329,"cover":330,"description":331,"extension":332,"faq":333,"meta":346,"navigation":348,"path":349,"readTime":350,"seo":351,"slug":352,"stem":353,"updatedAt":354,"__hash__":355},"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":9,"toc":315},"minimark",[10,14,17,22,29,112,120,124,135,139,167,170,174,179,186,190,227,231,251,255,258,262,282,286,301],[11,12,13],"p",{},"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.",[11,15,16],{},"The most-stolen brands in AUCN's data carry stolen rates several times higher than the typical mainstream car.",[18,19,21],"h2",{"id":20},"the-stolen-list","The stolen list",[23,24],"data-bars",{"data":25,"note":26,"title":27,"unit":28},"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","%",[30,31,32,45],"table",{},[33,34,35],"thead",{},[36,37,38,42],"tr",{},[39,40,41],"th",{},"Brand",[39,43,44],{},"Stolen-record rate",[46,47,48,57,65,73,81,89,96,104],"tbody",{},[36,49,50,54],{},[51,52,53],"td",{},"KTM (motorcycle)",[51,55,56],{},"6.8%",[36,58,59,62],{},[51,60,61],{},"Husqvarna (motorcycle)",[51,63,64],{},"6.3%",[36,66,67,70],{},[51,68,69],{},"Aprilia (motorcycle)",[51,71,72],{},"3.6%",[36,74,75,78],{},[51,76,77],{},"Chrysler",[51,79,80],{},"3.2%",[36,82,83,86],{},[51,84,85],{},"Yamaha (motorcycle)",[51,87,88],{},"2.6%",[36,90,91,94],{},[51,92,93],{},"Maserati",[51,95,88],{},[36,97,98,101],{},[51,99,100],{},"Ducati (motorcycle)",[51,102,103],{},"2.4%",[36,105,106,109],{},[51,107,108],{},"Typical mainstream car",[51,110,111],{},"~0.7%",[11,113,114,115,119],{},"A KTM in the data is nearly ",[116,117,118],"strong",{},"ten times"," more likely to carry a stolen record than a typical mainstream car.",[18,121,123],{"id":122},"the-national-picture-backs-this-up","The national picture backs this up",[11,125,126,127,134],{},"Vehicle theft is not a legacy problem in Australia — it is getting worse. The Australian Bureau of Statistics recorded ",[128,129,133],"a",{"href":130,"rel":131},"https://www.abs.gov.au/statistics/people/crime-and-justice/recorded-crime-victims-australia/latest-release",[132],"nofollow","66,625 motor vehicle theft victims in 2025",", an increase of 2% on the previous year and the highest number in 17 years.",[18,136,138],{"id":137},"why-motorcycles-lead-the-list","Why motorcycles lead the list",[140,141,142,150,157,164],"ul",{},[143,144,145,146,149],"li",{},"Bikes are ",[116,147,148],{},"easy to move"," — two people and a trailer can take one in minutes.",[143,151,152,153,156],{},"They are ",[116,154,155],{},"easy to part out"," — engines, wheels and panels are valuable and hard to trace.",[143,158,159,160,163],{},"Premium off-road and adventure models hold ",[116,161,162],{},"strong resale value",".",[143,165,166],{},"Identity details on older bikes are easier to misrepresent than a car's full identity record.",[11,168,169],{},"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.",[18,171,173],{"id":172},"stolen-risk-by-vehicle-category","Stolen risk by vehicle category",[23,175],{"data":176,"note":177,"title":178,"unit":28},"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",[11,180,181,182,185],{},"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 ",[116,183,184],{},"lowest"," stolen rate of the major categories, which cuts against the common assumption that work vehicles are the risky ones.",[18,187,189],{"id":188},"if-you-are-buying-a-motorcycle","If you are buying a motorcycle",[191,192,193,204,210,217,224],"ol",{},[143,194,195,198,199,163],{},[116,196,197],{},"Run a PPSR stolen check first"," — it covers the whole country and costs ",[128,200,203],{"href":201,"rel":202},"https://www.ppsr.gov.au/about-ppsr",[132],"$2",[143,205,206,209],{},[116,207,208],{},"Match the engine number and VIN"," against the paperwork in person, not from photos.",[143,211,212,213,216],{},"Ask for the ",[116,214,215],{},"original keys, logbook and service records"," — their absence is a red flag.",[143,218,219,220,223],{},"Be sceptical of a ",[116,221,222],{},"below-market price"," on a late-model, low-kilometre bike.",[143,225,226],{},"Confirm the seller's identity matches the registration records.",[18,228,230],{"id":229},"if-you-are-selling-a-motorcycle","If you are selling a motorcycle",[140,232,233,239,245],{},[143,234,235,238],{},[116,236,237],{},"Provide the check yourself."," A $2 PPSR search showing no stolen or finance record answers the buyer's biggest question before they ask it.",[143,240,241,244],{},[116,242,243],{},"Photograph the VIN and engine number"," as part of the listing to pre-empt doubts.",[143,246,247,250],{},[116,248,249],{},"Keep the service file"," — a documented bike sells faster and for more.",[18,252,254],{"id":253},"the-bottom-line","The bottom line",[11,256,257],{},"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.",[18,259,261],{"id":260},"related-aucn-data","Related AUCN data",[140,263,264,270,276],{},[143,265,266],{},[128,267,269],{"href":268},"/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",[143,271,272],{},[128,273,275],{"href":274},"/resources/history-risk/AUCN-Data-Which-Brands-Are-Most-Likely-to-Have-Finance-Owing","Which brands still have finance owing",[143,277,278],{},[128,279,281],{"href":280},"/resources/history-risk/AUCN-Data-Written-Off-Rates-Vary-by-State","Written-off rates vary by state",[18,283,285],{"id":284},"sources","Sources",[140,287,288,294],{},[143,289,290],{},[128,291,293],{"href":130,"rel":292},[132],"ABS — Recorded Crime: Victims, 2025",[143,295,296,300],{},[128,297,299],{"href":201,"rel":298},[132],"PPSR — About the PPSR"," (Australian Financial Security Authority)",[302,303,304],"blockquote",{},[11,305,306,309,310,314],{},[116,307,308],{},"About this data:"," 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 ",[128,311,313],{"href":312},"/resources/data-notes/AUCN-Data-Methodology","AUCN Data methodology and definitions"," for how these figures are produced.",{"title":316,"searchDepth":317,"depth":317,"links":318},"",2,[319,320,321,322,323,324,325,326,327],{"id":20,"depth":317,"text":21},{"id":122,"depth":317,"text":123},{"id":137,"depth":317,"text":138},{"id":172,"depth":317,"text":173},{"id":188,"depth":317,"text":189},{"id":229,"depth":317,"text":230},{"id":253,"depth":317,"text":254},{"id":260,"depth":317,"text":261},{"id":284,"depth":317,"text":285},"History & Risk","history-risk","/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.","md",[334,337,340,343],{"q":335,"a":336},"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":338,"a":339},"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":341,"a":342},"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":344,"a":345},"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":347},"2026-09-28",true,"/history-risk/aucn-data-motorcycles-top-the-stolen-list",4,{"title":5,"description":331},"AUCN-Data-Motorcycles-Top-the-Stolen-List","history-risk/AUCN-Data-Motorcycles-Top-the-Stolen-List","2026-09-30","cZqznipmF8LjgfU6u-UCG21ngB46ZBrb_5MyFCOnBJ4",null,[358,638,1255],{"id":359,"title":360,"articleId":361,"body":362,"category":328,"categorySlug":329,"cover":617,"description":618,"extension":332,"faq":619,"meta":632,"navigation":348,"path":633,"readTime":350,"seo":634,"slug":635,"stem":636,"updatedAt":354,"__hash__":637},"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":363,"toc":606},[364,370,373,382,386,389,414,418,421,430,434,439,442,448,451,455,492,496,526,530,548,550,553,555,571,573,597],[11,365,366,367,163],{},"Odometer fraud is usually discussed as if it were rare. AUCN's check data says otherwise: about ",[116,368,369],{},"4.2% of checks — roughly 1 in 24 — flag an odometer anomaly",[11,371,372],{},"That is higher than the stolen rate, and it is a risk most buyers never think to check.",[374,375],"data-donut",{"accent":376,"big":377,"caption":378,"legend":379,"note":380,"value":381},"#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",[18,383,385],{"id":384},"what-counts-as-an-anomaly","What counts as an anomaly",[11,387,388],{},"An odometer anomaly means the recorded history does not line up with the current reading. The most common patterns are:",[140,390,391,398,405,411],{},[143,392,393,394,397],{},"a recorded reading that is later ",[116,395,396],{},"lower"," than an earlier reading",[143,399,400,401,404],{},"a ",[116,402,403],{},"sudden jump"," in a single year that does not fit the vehicle's history",[143,406,407,410],{},[116,408,409],{},"low kilometres for the car's age"," with no supporting service records",[143,412,413],{},"service-book stamps that do not match the progression of the odometer",[18,415,417],{"id":416},"an-anomaly-is-not-proof-of-fraud","An anomaly is not proof of fraud",[11,419,420],{},"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.",[11,422,423,424,429],{},"Misrepresenting a vehicle's odometer is a breach of the ",[128,425,428],{"href":426,"rel":427},"https://consumerlaw.gov.au/",[132],"Australian Consumer Law",", and buyers who discover it after purchase have remedies, particularly when buying from a dealer.",[18,431,433],{"id":432},"where-the-anomalies-concentrate","Where the anomalies concentrate",[23,435],{"accent":376,"data":436,"note":437,"title":438,"unit":28},"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",[11,440,441],{},"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.",[23,443],{"accent":444,"data":445,"note":446,"title":447,"unit":28},"#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)",[11,449,450],{},"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.",[18,452,454],{"id":453},"how-to-verify-a-reading-yourself","How to verify a reading yourself",[191,456,457,463,469,475,486],{},[143,458,459,462],{},[116,460,461],{},"Get the service history"," and lay the odometer readings out in order.",[143,464,465,468],{},[116,466,467],{},"Check the wear against the number"," — a car showing 60,000 km should not have a worn-through driver's seat.",[143,470,471,474],{},[116,472,473],{},"Look at consumables"," — multiple sets of tyres and brake parts suggest more distance than the dash claims.",[143,476,477,480,481,485],{},[116,478,479],{},"Run a history check"," that compares recorded odometer data against the current reading — the same ",[128,482,484],{"href":201,"rel":483},[132],"$2 PPSR search"," that covers finance and write-off status is a good starting point.",[143,487,488,489,163],{},"If the seller cannot produce records for a suspiciously low reading, ",[116,490,491],{},"price the car as if the reading is unproven",[18,493,495],{"id":494},"if-you-are-buying","If you are buying",[140,497,498,505,511],{},[143,499,500,501,504],{},"Treat an anomaly flag as a ",[116,502,503],{},"negotiation fact",", not just a warning: it lowers the vehicle's defensible value.",[143,506,212,507,510],{},[116,508,509],{},"service books and digital service records"," before you inspect.",[143,512,513,514,519,520,525],{},"Remember the transfer deadlines — ",[128,515,518],{"href":516,"rel":517},"https://www.service.nsw.gov.au/transaction/transfer-a-vehicle-registration",[132],"14 days in NSW"," and ",[128,521,524],{"href":522,"rel":523},"https://www.qld.gov.au/transport/registration/transfer",[132],"14 days in Queensland"," — so verification happens before, not after, the paperwork.",[18,527,529],{"id":528},"if-you-are-selling","If you are selling",[140,531,532,538,545],{},[143,533,534,537],{},[116,535,536],{},"Keep every service record."," Missing history is what turns a normal car into a flagged one.",[143,539,540,541,544],{},"If the cluster was replaced, ",[116,542,543],{},"document it"," — a receipt or repair invoice resolves the anomaly with buyers.",[143,546,547],{},"Never restate a reading you cannot evidence: in most states, odometer tampering carries significant penalties, and it is a clear breach of consumer law.",[18,549,254],{"id":253},[11,551,552],{},"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.",[18,554,261],{"id":260},[140,556,557,561,565],{},[143,558,559],{},[128,560,269],{"href":268},[143,562,563],{},[128,564,281],{"href":280},[143,566,567],{},[128,568,570],{"href":569},"/resources/history-risk/How-to-Spot-Odometer-Rollbacks","How to spot odometer rollbacks and inconsistencies",[18,572,285],{"id":284},[140,574,575,580,585,591],{},[143,576,577],{},[128,578,428],{"href":426,"rel":579},[132],[143,581,582,300],{},[128,583,299],{"href":201,"rel":584},[132],[143,586,587],{},[128,588,590],{"href":516,"rel":589},[132],"Service NSW — Transfer a vehicle registration",[143,592,593],{},[128,594,596],{"href":522,"rel":595},[132],"Queensland Government — Registration transfer",[302,598,599],{},[11,600,601,603,604,314],{},[116,602,308],{}," 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 ",[128,605,313],{"href":312},{"title":316,"searchDepth":317,"depth":317,"links":607},[608,609,610,611,612,613,614,615,616],{"id":384,"depth":317,"text":385},{"id":416,"depth":317,"text":417},{"id":432,"depth":317,"text":433},{"id":453,"depth":317,"text":454},{"id":494,"depth":317,"text":495},{"id":528,"depth":317,"text":529},{"id":253,"depth":317,"text":254},{"id":260,"depth":317,"text":261},{"id":284,"depth":317,"text":285},"/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.",[620,623,626,629],{"q":621,"a":622},"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":624,"a":625},"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":627,"a":628},"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":630,"a":631},"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":347},"/history-risk/aucn-data-how-common-are-odometer-anomalies",{"title":360,"description":618},"AUCN-Data-How-Common-Are-Odometer-Anomalies","history-risk/AUCN-Data-How-Common-Are-Odometer-Anomalies","G01CIcksptVlW4gS_phS2_PeUH7i5ZabuqfSTjgRDqI",{"id":639,"title":640,"articleId":641,"body":642,"category":328,"categorySlug":329,"cover":1233,"description":1234,"extension":332,"faq":1235,"meta":1248,"navigation":348,"path":1249,"readTime":1250,"seo":1251,"slug":1252,"stem":1253,"updatedAt":354,"__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 ",[116,656,657],{},"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.",[18,663,665],{"id":664},"the-four-risks-by-the-numbers","The four risks, by the numbers",[23,667],{"data":668,"note":669,"title":670,"unit":28},"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",[30,672,673,683],{},[33,674,675],{},[36,676,677,680],{},[39,678,679],{},"Risk flag",[39,681,682],{},"Share of checks",[46,684,685,693,701,709],{},[36,686,687,690],{},[51,688,689],{},"Finance owing (active security interest)",[51,691,692],{},"10.8%",[36,694,695,698],{},[51,696,697],{},"Written-off history",[51,699,700],{},"8.6%",[36,702,703,706],{},[51,704,705],{},"Odometer anomaly",[51,707,708],{},"4.2%",[36,710,711,714],{},[51,712,713],{},"Reported stolen",[51,715,716],{},"0.7%",[11,718,719],{},"Two numbers deserve the most attention:",[140,721,722,729],{},[143,723,724,725,728],{},"About ",[116,726,727],{},"1 in 9"," vehicles still had finance owing when checked.",[143,730,724,731,734],{},[116,732,733],{},"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 ",[128,739,203],{"href":201,"rel":740},[132]," — which is why the check is the cheapest form of protection in the whole transaction.",[18,743,745],{"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.",[374,757],{"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.",[18,767,769],{"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",[23,779],{"data":780,"note":781,"title":782,"unit":28},"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",[23,791],{"data":792,"note":793,"title":794,"unit":28},"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 ",[116,799,800],{},"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 ",[128,806,809],{"href":807,"rel":808},"https://www.vicroads.vic.gov.au/registration/buy-sell-or-transfer-a-vehicle",[132],"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",[23,816],{"data":817,"note":818,"title":819,"unit":28,"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.",[18,825,827],{"id":826},"odometer-anomalies-are-more-common-than-people-think","Odometer anomalies are more common than people think",[11,829,724,830,832],{},[116,831,708],{}," of checks show an odometer anomaly — evidence that the recorded odometer history does not line up with the current reading. The typical patterns:",[140,834,835,839,842],{},[143,836,393,837,397],{},[648,838,396],{},[143,840,841],{},"a sudden jump in one year that does not fit the vehicle's history",[143,843,844],{},"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.",[18,849,851],{"id":850},"what-the-brands-tell-you","What the brands tell you",[140,853,854,860,866,876],{},[143,855,856,859],{},[116,857,858],{},"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.",[143,861,862,865],{},[116,863,864],{},"Older, cheaper cars are the cleanest on finance"," — Daihatsu, Honda, Suzuki and Subaru all sit below 7%.",[143,867,868,871,872,875],{},[116,869,870],{},"Motorcycles dominate the stolen list",": KTM, Husqvarna and Yamaha show stolen rates far above mainstream cars. Nationally, the ABS recorded ",[128,873,133],{"href":130,"rel":874},[132],", the highest in 17 years.",[143,877,878,881],{},[116,879,880],{},"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.",[11,883,884,885,888,889,888,893,888,896,519,900,163],{},"Each of these patterns has its own deep-dive: ",[128,886,887],{"href":274},"finance owing by brand",", ",[128,890,892],{"href":891},"/resources/history-risk/AUCN-Data-Motorcycles-Top-the-Stolen-List","stolen records",[128,894,895],{"href":280},"written-off rates by state",[128,897,899],{"href":898},"/resources/history-risk/AUCN-Data-How-Common-Are-Odometer-Anomalies","odometer anomalies",[128,901,903],{"href":902},"/resources/valuation/AUCN-Data-How-Much-Value-a-Car-Keeps-by-Age","value retention by age",[18,905,907],{"id":906},"risk-peaks-in-mid-age-cars-not-old-ones","Risk peaks in mid-age cars, not old ones",[11,909,910,911,163],{},"The most counter-intuitive finding in the data: ",[116,912,913],{},"risk does not rise with age — it peaks in the middle",[23,915],{"data":916,"note":917,"title":918,"unit":28,"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:",[140,924,925,931,937,943,949],{},[143,926,927,930],{},[116,928,929],{},"0–3 years:"," risk is almost entirely finance — 26.2% still carry a security interest, because the loan is young.",[143,932,933,936],{},[116,934,935],{},"4–7 years:"," the highest-risk window overall at 39.9%. Finance is still common (23.8%) and write-offs climb to 11.3%.",[143,938,939,942],{},[116,940,941],{},"8–11 years:"," write-off history peaks at 12.0% and odometer anomalies peak at 7.4% — this is where history gets messy.",[143,944,945,948],{},[116,946,947],{},"12–15 years:"," finance falls away (8.5%), but write-offs are still above 10%.",[143,950,951,954],{},[116,952,953],{},"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 ",[128,959,962],{"href":960,"rel":961},"https://www.abs.gov.au/statistics/industry/tourism-and-transport/motor-vehicle-census-australia/latest-release",[132],"average age of Australian vehicles at 10.6 years",", with Tasmania the oldest at 13.3 years.",[18,965,967],{"id":966},"vehicle-type-changes-the-odds-too","Vehicle type changes the odds too",[23,969],{"data":970,"note":971,"title":972,"unit":28,"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",[140,974,975,981,987,993,1003],{},[143,976,977,980],{},[116,978,979],{},"Trucks and heavy vehicles"," carry the most risk (31.8%), driven by finance at 19.4% — they are business assets with long finance terms.",[143,982,983,986],{},[116,984,985],{},"Passenger cars"," sit at 24.8%, with write-offs at 10.4%.",[143,988,989,992],{},[116,990,991],{},"Utes and light commercial vehicles"," are close behind at 23.5%, with finance at 13.8% but a lower write-off rate (6.4%).",[143,994,995,998,999,1002],{},[116,996,997],{},"Motorcycles"," show the lowest overall risk (15.7%) but the ",[116,1000,1001],{},"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.",[143,1004,1005,1008],{},[116,1006,1007],{},"Caravans and trailers"," are the cleanest on history (15.1%), though 8.7% still carry finance.",[18,1010,1012],{"id":1011},"one-in-fourteen-checked-vehicles-had-expired-registration","One in fourteen checked vehicles had expired registration",[11,1014,1015,1016,163],{},"Across the checks where a registration record was available, ",[116,1017,1018],{},"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.",[18,1023,1025],{"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:",[140,1030,1031,1034,1037],{},[143,1032,1033],{},"finance owing has moved from around 10.1% to 11.1%",[143,1035,1036],{},"written-off history has edged from 8.4% to 9.0%",[143,1038,1039],{},"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.",[18,1044,495],{"id":494},[191,1046,1047,1053,1069,1075,1081,1087],{},[143,1048,1049,1052],{},[116,1050,1051],{},"Run the PPSR check first."," Finance, written-off and stolen status in one search — before you inspect, not after you agree on a price.",[143,1054,1055,1058,1059,1063,1064,1068],{},[116,1056,1057],{},"Confirm the rego."," Check the plate matches the VIN and the seller's documents. In NSW you have ",[128,1060,1062],{"href":516,"rel":1061},[132],"14 days to transfer registration","; in Queensland the same ",[128,1065,1067],{"href":522,"rel":1066},[132],"14-day rule applies",". A seller who wants to skip the paperwork is a warning sign.",[143,1070,1071,1074],{},[116,1072,1073],{},"Match the odometer against records",", not just the dashboard.",[143,1076,1077,1080],{},[116,1078,1079],{},"Treat 8–14-year-old cars with extra care"," — that is where flags concentrate.",[143,1082,1083,1086],{},[116,1084,1085],{},"If finance shows up, get a payout letter"," and confirm the security interest is discharged before settlement.",[143,1088,1089,1092,1093,1096],{},[116,1090,1091],{},"Know your protections."," Used cars bought from a dealer come with guarantees under the ",[128,1094,428],{"href":426,"rel":1095},[132],", separate from any manufacturer warranty.",[18,1098,1100],{"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:",[140,1105,1106,1112,1118,1124],{},[143,1107,1108,1111],{},[116,1109,1110],{},"Clear finance before listing."," A payout letter plus a $2 PPSR search showing no security interest removes the biggest objection a buyer has.",[143,1113,1114,1117],{},[116,1115,1116],{},"Keep the service history together."," Every odometer anomaly flag started as a missing or inconsistent record.",[143,1119,1120,1123],{},[116,1121,1122],{},"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.",[143,1125,1126,1129],{},[116,1127,1128],{},"Offer the report to buyers."," A seller-provided PPSR search shortens negotiation and reduces dispute risk.",[18,1131,1133],{"id":1132},"if-you-are-a-dealer-or-buying-stock","If you are a dealer or buying stock",[140,1135,1136,1142,1148],{},[143,1137,1138,1141],{},[116,1139,1140],{},"Screen every trade-in and auction purchase"," — trucks and late-model EVs are the highest finance-risk categories in the data.",[143,1143,1144,1147],{},[116,1145,1146],{},"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.",[143,1149,1150,1153],{},[116,1151,1152],{},"Document each check"," in the vehicle file to support compliance and dispute resolution.",[18,1155,254],{"id":253},[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.",[18,1163,285],{"id":284},[140,1165,1166,1171,1177,1182,1187,1192,1198],{},[143,1167,1168,300],{},[128,1169,299],{"href":201,"rel":1170},[132],[143,1172,1173],{},[128,1174,1176],{"href":960,"rel":1175},[132],"ABS — Motor Vehicle Census, Australia",[143,1178,1179],{},[128,1180,293],{"href":130,"rel":1181},[132],[143,1183,1184],{},[128,1185,590],{"href":516,"rel":1186},[132],[143,1188,1189],{},[128,1190,596],{"href":522,"rel":1191},[132],[143,1193,1194],{},[128,1195,1197],{"href":807,"rel":1196},[132],"VicRoads — Buy, sell or transfer a vehicle",[143,1199,1200],{},[128,1201,428],{"href":426,"rel":1202},[132],[302,1204,1205],{},[11,1206,1207,1209,1210,314],{},[116,1208,308],{}," 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 ",[128,1211,313],{"href":312},{"title":316,"searchDepth":317,"depth":317,"links":1213},[1214,1215,1216,1222,1223,1224,1225,1226,1227,1228,1229,1230,1231,1232],{"id":664,"depth":317,"text":665},{"id":744,"depth":317,"text":745},{"id":768,"depth":317,"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":317,"text":827},{"id":850,"depth":317,"text":851},{"id":906,"depth":317,"text":907},{"id":966,"depth":317,"text":967},{"id":1011,"depth":317,"text":1012},{"id":1024,"depth":317,"text":1025},{"id":494,"depth":317,"text":495},{"id":1099,"depth":317,"text":1100},{"id":1132,"depth":317,"text":1133},{"id":253,"depth":317,"text":254},{"id":284,"depth":317,"text":285},"/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":347},"/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":328,"categorySlug":329,"cover":1624,"description":1625,"extension":332,"faq":1626,"meta":1639,"navigation":348,"path":1640,"readTime":350,"seo":1641,"slug":1642,"stem":1643,"updatedAt":354,"__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.",[18,1268,1270],{"id":1269},"the-brands-at-the-top","The brands at the top",[23,1272],{"data":1273,"note":1274,"title":1275,"unit":28},"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)",[30,1277,1278,1287],{},[33,1279,1280],{},[36,1281,1282,1284],{},[39,1283,41],{},[39,1285,1286],{},"Finance-owing rate",[46,1288,1289,1297,1305,1313,1321,1329,1337,1345,1353,1361],{},[36,1290,1291,1294],{},[51,1292,1293],{},"Kenworth (truck)",[51,1295,1296],{},"39.3%",[36,1298,1299,1302],{},[51,1300,1301],{},"RAM",[51,1303,1304],{},"38.6%",[36,1306,1307,1310],{},[51,1308,1309],{},"Scania (truck)",[51,1311,1312],{},"36.5%",[36,1314,1315,1318],{},[51,1316,1317],{},"Fuso (truck)",[51,1319,1320],{},"35.8%",[36,1322,1323,1326],{},[51,1324,1325],{},"Mack (truck)",[51,1327,1328],{},"32.4%",[36,1330,1331,1334],{},[51,1332,1333],{},"BYD",[51,1335,1336],{},"30.6%",[36,1338,1339,1342],{},[51,1340,1341],{},"Tesla",[51,1343,1344],{},"29.8%",[36,1346,1347,1350],{},[51,1348,1349],{},"Haval",[51,1351,1352],{},"28.1%",[36,1354,1355,1358],{},[51,1356,1357],{},"LDV",[51,1359,1360],{},"27.7%",[36,1362,1363,1366],{},[51,1364,1365],{},"Porsche",[51,1367,1368],{},"23.3%",[18,1370,1372],{"id":1371},"the-brands-at-the-bottom","The brands at the bottom",[23,1374],{"data":1375,"note":1376,"title":1377,"unit":28,"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)",[30,1379,1380,1388],{},[33,1381,1382],{},[36,1383,1384,1386],{},[39,1385,41],{},[39,1387,1286],{},[46,1389,1390,1398,1406,1413,1421],{},[36,1391,1392,1395],{},[51,1393,1394],{},"Subaru",[51,1396,1397],{},"6.6%",[36,1399,1400,1403],{},[51,1401,1402],{},"Suzuki",[51,1404,1405],{},"5.3%",[36,1407,1408,1411],{},[51,1409,1410],{},"Peugeot",[51,1412,708],{},[36,1414,1415,1418],{},[51,1416,1417],{},"Honda",[51,1419,1420],{},"4.0%",[36,1422,1423,1426],{},[51,1424,1425],{},"Daihatsu",[51,1427,716],{},[18,1429,1431],{"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:",[140,1436,1437,1443,1449],{},[143,1438,1439,1442],{},[116,1440,1441],{},"Commercial trucks sit at the very top."," A Kenworth, Mack or Scania is an expensive business asset and almost always financed at some point.",[143,1444,1445,1448],{},[116,1446,1447],{},"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.",[143,1450,1451,1454],{},[116,1452,1453],{},"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 ",[128,1459,1461],{"href":201,"rel":1460},[132],"PPSR"," costs $2 and is the only reliable way to confirm whether an interest is still registered — a seller's word is not evidence.",[18,1464,1466],{"id":1465},"the-pattern-holds-by-vehicle-type","The pattern holds by vehicle type",[23,1468],{"data":1469,"note":1470,"title":1471,"unit":28},"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",[18,1473,1475],{"id":1474},"and-by-vehicle-age","And by vehicle age",[23,1477],{"data":1478,"note":1479,"title":1480,"unit":28,"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: ",[116,1485,1486],{},"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.",[18,1489,495],{"id":494},[191,1491,1492,1498,1504,1510],{},[143,1493,1494,1497],{},[116,1495,1496],{},"Check the PPSR before negotiating."," If finance is registered, the price is not the real price until the payout is confirmed.",[143,1499,1500,1503],{},[116,1501,1502],{},"Ask for a payout letter"," from the lender and confirm the discharge date in writing.",[143,1505,1506,1509],{},[116,1507,1508],{},"Settle the finance at settlement"," — do not accept \"I'll pay it off next week\".",[143,1511,1512,1515],{},[116,1513,1514],{},"Re-check on the day you pay."," A security interest can be registered against a vehicle at any time before settlement.",[18,1517,1100],{"id":1099},[140,1519,1520,1526,1532],{},[143,1521,1522,1525],{},[116,1523,1524],{},"Discharge finance before you advertise."," A clear PPSR result removes the single biggest objection buyers raise.",[143,1527,1528,1531],{},[116,1529,1530],{},"Have the paperwork ready",": payout letter, discharge confirmation, service records, and the original PPSR search.",[143,1533,1534,1537],{},[116,1535,1536],{},"Expect buyers to ask for a $2 search."," Offering it yourself shortens the deal and protects you from disputes later.",[18,1539,1133],{"id":1132},[140,1541,1542,1548,1554],{},[143,1543,1544,1547],{},[116,1545,1546],{},"Screen every trade-in",", especially utes, trucks, EVs and premium vehicles — the four highest-risk categories in the data.",[143,1549,1550,1553],{},[116,1551,1552],{},"Re-check aged stock."," Finance or a new registration can appear on a vehicle after purchase.",[143,1555,1556,1559],{},[116,1557,1558],{},"Keep each search in the vehicle file"," to support compliance and dispute resolution.",[18,1561,254],{"id":253},[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.",[18,1566,261],{"id":260},[140,1568,1569,1573,1578],{},[143,1570,1571],{},[128,1572,269],{"href":268},[143,1574,1575],{},[128,1576,1577],{"href":891},"Motorcycles top the stolen list",[143,1579,1580],{},[128,1581,1582],{"href":902},"How much value a car keeps by age",[18,1584,285],{"id":284},[140,1586,1587,1592,1597],{},[143,1588,1589,300],{},[128,1590,299],{"href":201,"rel":1591},[132],[143,1593,1594],{},[128,1595,428],{"href":426,"rel":1596},[132],[143,1598,1599],{},[128,1600,1197],{"href":807,"rel":1601},[132],[302,1603,1604],{},[11,1605,1606,1608,1609,314],{},[116,1607,308],{}," 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 ",[128,1610,313],{"href":312},{"title":316,"searchDepth":317,"depth":317,"links":1612},[1613,1614,1615,1616,1617,1618,1619,1620,1621,1622,1623],{"id":1269,"depth":317,"text":1270},{"id":1371,"depth":317,"text":1372},{"id":1430,"depth":317,"text":1431},{"id":1465,"depth":317,"text":1466},{"id":1474,"depth":317,"text":1475},{"id":494,"depth":317,"text":495},{"id":1099,"depth":317,"text":1100},{"id":1132,"depth":317,"text":1133},{"id":253,"depth":317,"text":254},{"id":260,"depth":317,"text":261},{"id":284,"depth":317,"text":285},"/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":347},"/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",1790756168856]