[{"data":1,"prerenderedAt":1645},["ShallowReactive",2],{"article-history-risk-AUCN-Data-Nearly-1-in-4-Used-Cars-Carry-a-Hidden-Risk-Flag":3,"article-id-AUCN-Data-Nearly-1-in-4-Used-Cars-Carry-a-Hidden-Risk-Flag":677,"related-AUCN-Data-Nearly-1-in-4-Used-Cars-Carry-a-Hidden-Risk-Flag":678},{"id":4,"title":5,"articleId":6,"body":7,"category":649,"categorySlug":650,"cover":651,"description":652,"extension":653,"faq":654,"meta":667,"navigation":669,"path":670,"readTime":671,"seo":672,"slug":673,"stem":674,"updatedAt":675,"__hash__":676},"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":9,"toc":626},"minimark",[10,19,27,30,35,42,94,97,114,125,129,139,147,150,154,157,162,167,170,174,179,186,195,199,205,208,212,217,232,235,239,271,297,301,307,313,316,348,357,361,366,402,406,412,415,419,422,433,436,440,497,501,504,530,534,554,558,561,564,568,612],[11,12,13,14,18],"p",{},"If you are buying a used car in Australia, the question is not whether something ",[15,16,17],"em",{},"could"," be wrong. The question is how often something actually is.",[11,20,21,22,26],{},"AUCN analyses the outcome of every PPSR and vehicle-history check it runs. Across all checks through September 2026, nearly ",[23,24,25],"strong",{},"one in four vehicles"," carried at least one risk flag: finance owing, a written-off record, a stolen record, or an odometer anomaly.",[11,28,29],{},"Every figure below is a percentage, drawn from AUCN's own check data — and each one comes with what it means for your decision.",[31,32,34],"h2",{"id":33},"the-four-risks-by-the-numbers","The four risks, by the numbers",[36,37],"data-bars",{"data":38,"note":39,"title":40,"unit":41},"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","%",[43,44,45,58],"table",{},[46,47,48],"thead",{},[49,50,51,55],"tr",{},[52,53,54],"th",{},"Risk flag",[52,56,57],{},"Share of checks",[59,60,61,70,78,86],"tbody",{},[49,62,63,67],{},[64,65,66],"td",{},"Finance owing (active security interest)",[64,68,69],{},"10.8%",[49,71,72,75],{},[64,73,74],{},"Written-off history",[64,76,77],{},"8.6%",[49,79,80,83],{},[64,81,82],{},"Odometer anomaly",[64,84,85],{},"4.2%",[49,87,88,91],{},[64,89,90],{},"Reported stolen",[64,92,93],{},"0.7%",[11,95,96],{},"Two numbers deserve the most attention:",[98,99,100,108],"ul",{},[101,102,103,104,107],"li",{},"About ",[23,105,106],{},"1 in 9"," vehicles still had finance owing when checked.",[101,109,103,110,113],{},[23,111,112],{},"1 in 12"," had a written-off history.",[11,115,116,117,124],{},"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 ",[118,119,123],"a",{"href":120,"rel":121},"https://www.ppsr.gov.au/about-ppsr",[122],"nofollow","$2"," — which is why the check is the cheapest form of protection in the whole transaction.",[31,126,128],{"id":127},"one-check-multiple-risks","One check, multiple risks",[11,130,131,132,135,136,138],{},"Risk flags overlap. A car can have finance owing ",[15,133,134],{},"and"," a past write-off, or an odometer anomaly ",[15,137,134],{}," stolen history.",[140,141],"data-donut",{"big":142,"caption":143,"legend":144,"note":145,"value":146},"≈ 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",[11,148,149],{},"That is the real headline: a \"clean car\" is not the default assumption. It is something you verify — before money changes hands, not after.",[31,151,153],{"id":152},"where-you-buy-changes-the-odds","Where you buy changes the odds",[11,155,156],{},"Risk is not evenly spread across Australia.",[158,159,161],"h3",{"id":160},"the-state-ranking-by-overall-risk","The state ranking by overall risk",[36,163],{"data":164,"note":165,"title":166,"unit":41},"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",[11,168,169],{},"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.",[158,171,173],{"id":172},"written-off-history-by-state","Written-off history by state",[36,175],{"data":176,"note":177,"title":178,"unit":41},"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)",[11,180,181,182,185],{},"The gap is striking: write-off flags in QLD, WA and SA run at ",[23,183,184],{},"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.",[11,187,188,189,194],{},"It also means an interstate import deserves extra scrutiny. Every state runs a written-off vehicle register, and the ",[118,190,193],{"href":191,"rel":192},"https://www.vicroads.vic.gov.au/registration/buy-sell-or-transfer-a-vehicle",[122],"Victorian"," and Queensland systems are good places to start reading about how the registers work.",[158,196,198],{"id":197},"finance-owing-by-state","Finance owing by state",[36,200],{"data":201,"note":202,"title":203,"unit":41,"accent":204},"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",[11,206,207],{},"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.",[31,209,211],{"id":210},"odometer-anomalies-are-more-common-than-people-think","Odometer anomalies are more common than people think",[11,213,103,214,216],{},[23,215,85],{}," of checks show an odometer anomaly — evidence that the recorded odometer history does not line up with the current reading. The typical patterns:",[98,218,219,226,229],{},[101,220,221,222,225],{},"a recorded reading that is later ",[15,223,224],{},"lower"," than an earlier reading",[101,227,228],{},"a sudden jump in one year that does not fit the vehicle's history",[101,230,231],{},"low kilometres for age with no supporting service records",[11,233,234],{},"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.",[31,236,238],{"id":237},"what-the-brands-tell-you","What the brands tell you",[98,240,241,247,253,265],{},[101,242,243,246],{},[23,244,245],{},"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.",[101,248,249,252],{},[23,250,251],{},"Older, cheaper cars are the cleanest on finance"," — Daihatsu, Honda, Suzuki and Subaru all sit below 7%.",[101,254,255,258,259,264],{},[23,256,257],{},"Motorcycles dominate the stolen list",": KTM, Husqvarna and Yamaha show stolen rates far above mainstream cars. Nationally, the ABS recorded ",[118,260,263],{"href":261,"rel":262},"https://www.abs.gov.au/statistics/people/crime-and-justice/recorded-crime-victims-australia/latest-release",[122],"66,625 motor vehicle theft victims in 2025",", the highest in 17 years.",[101,266,267,270],{},[23,268,269],{},"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.",[11,272,273,274,278,279,278,283,278,287,291,292,296],{},"Each of these patterns has its own deep-dive: ",[118,275,277],{"href":276},"/resources/history-risk/AUCN-Data-Which-Brands-Are-Most-Likely-to-Have-Finance-Owing","finance owing by brand",", ",[118,280,282],{"href":281},"/resources/history-risk/AUCN-Data-Motorcycles-Top-the-Stolen-List","stolen records",[118,284,286],{"href":285},"/resources/history-risk/AUCN-Data-Written-Off-Rates-Vary-by-State","written-off rates by state",[118,288,290],{"href":289},"/resources/history-risk/AUCN-Data-How-Common-Are-Odometer-Anomalies","odometer anomalies"," and ",[118,293,295],{"href":294},"/resources/valuation/AUCN-Data-How-Much-Value-a-Car-Keeps-by-Age","value retention by age",".",[31,298,300],{"id":299},"risk-peaks-in-mid-age-cars-not-old-ones","Risk peaks in mid-age cars, not old ones",[11,302,303,304,296],{},"The most counter-intuitive finding in the data: ",[23,305,306],{},"risk does not rise with age — it peaks in the middle",[36,308],{"data":309,"note":310,"title":311,"unit":41,"accent":312},"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",[11,314,315],{},"The reasons differ by age band, and each has a different lesson for buyers:",[98,317,318,324,330,336,342],{},[101,319,320,323],{},[23,321,322],{},"0–3 years:"," risk is almost entirely finance — 26.2% still carry a security interest, because the loan is young.",[101,325,326,329],{},[23,327,328],{},"4–7 years:"," the highest-risk window overall at 39.9%. Finance is still common (23.8%) and write-offs climb to 11.3%.",[101,331,332,335],{},[23,333,334],{},"8–11 years:"," write-off history peaks at 12.0% and odometer anomalies peak at 7.4% — this is where history gets messy.",[101,337,338,341],{},[23,339,340],{},"12–15 years:"," finance falls away (8.5%), but write-offs are still above 10%.",[101,343,344,347],{},[23,345,346],{},"16+ years:"," the cleanest group by percentage — most finance is long discharged, and the cars still on the road have survived.",[11,349,350,351,356],{},"That lines up with the national fleet: the ABS Motor Vehicle Census puts the ",[118,352,355],{"href":353,"rel":354},"https://www.abs.gov.au/statistics/industry/tourism-and-transport/motor-vehicle-census-australia/latest-release",[122],"average age of Australian vehicles at 10.6 years",", with Tasmania the oldest at 13.3 years.",[31,358,360],{"id":359},"vehicle-type-changes-the-odds-too","Vehicle type changes the odds too",[36,362],{"data":363,"note":364,"title":365,"unit":41,"accent":204},"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",[98,367,368,374,380,386,396],{},[101,369,370,373],{},[23,371,372],{},"Trucks and heavy vehicles"," carry the most risk (31.8%), driven by finance at 19.4% — they are business assets with long finance terms.",[101,375,376,379],{},[23,377,378],{},"Passenger cars"," sit at 24.8%, with write-offs at 10.4%.",[101,381,382,385],{},[23,383,384],{},"Utes and light commercial vehicles"," are close behind at 23.5%, with finance at 13.8% but a lower write-off rate (6.4%).",[101,387,388,391,392,395],{},[23,389,390],{},"Motorcycles"," show the lowest overall risk (15.7%) but the ",[23,393,394],{},"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.",[101,397,398,401],{},[23,399,400],{},"Caravans and trailers"," are the cleanest on history (15.1%), though 8.7% still carry finance.",[31,403,405],{"id":404},"one-in-fourteen-checked-vehicles-had-expired-registration","One in fourteen checked vehicles had expired registration",[11,407,408,409,296],{},"Across the checks where a registration record was available, ",[23,410,411],{},"7.0% of vehicles had an expired registration at the time of the check",[11,413,414],{},"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.",[31,416,418],{"id":417},"risk-levels-are-stable-but-finance-is-creeping-up","Risk levels are stable — but finance is creeping up",[11,420,421],{},"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:",[98,423,424,427,430],{},[101,425,426],{},"finance owing has moved from around 10.1% to 11.1%",[101,428,429],{},"written-off history has edged from 8.4% to 9.0%",[101,431,432],{},"odometer anomalies have fallen from 4.9% to 2.0%",[11,434,435],{},"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.",[31,437,439],{"id":438},"if-you-are-buying","If you are buying",[441,442,443,449,467,473,479,485],"ol",{},[101,444,445,448],{},[23,446,447],{},"Run the PPSR check first."," Finance, written-off and stolen status in one search — before you inspect, not after you agree on a price.",[101,450,451,454,455,460,461,466],{},[23,452,453],{},"Confirm the rego."," Check the plate matches the VIN and the seller's documents. In NSW you have ",[118,456,459],{"href":457,"rel":458},"https://www.service.nsw.gov.au/transaction/transfer-a-vehicle-registration",[122],"14 days to transfer registration","; in Queensland the same ",[118,462,465],{"href":463,"rel":464},"https://www.qld.gov.au/transport/registration/transfer",[122],"14-day rule applies",". A seller who wants to skip the paperwork is a warning sign.",[101,468,469,472],{},[23,470,471],{},"Match the odometer against records",", not just the dashboard.",[101,474,475,478],{},[23,476,477],{},"Treat 8–14-year-old cars with extra care"," — that is where flags concentrate.",[101,480,481,484],{},[23,482,483],{},"If finance shows up, get a payout letter"," and confirm the security interest is discharged before settlement.",[101,486,487,490,491,496],{},[23,488,489],{},"Know your protections."," Used cars bought from a dealer come with guarantees under the ",[118,492,495],{"href":493,"rel":494},"https://consumerlaw.gov.au/",[122],"Australian Consumer Law",", separate from any manufacturer warranty.",[31,498,500],{"id":499},"if-you-are-selling-or-trading-in","If you are selling or trading in",[11,502,503],{},"Sellers are checked too — and a clean report is a selling tool:",[98,505,506,512,518,524],{},[101,507,508,511],{},[23,509,510],{},"Clear finance before listing."," A payout letter plus a $2 PPSR search showing no security interest removes the biggest objection a buyer has.",[101,513,514,517],{},[23,515,516],{},"Keep the service history together."," Every odometer anomaly flag started as a missing or inconsistent record.",[101,519,520,523],{},[23,521,522],{},"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.",[101,525,526,529],{},[23,527,528],{},"Offer the report to buyers."," A seller-provided PPSR search shortens negotiation and reduces dispute risk.",[31,531,533],{"id":532},"if-you-are-a-dealer-or-buying-stock","If you are a dealer or buying stock",[98,535,536,542,548],{},[101,537,538,541],{},[23,539,540],{},"Screen every trade-in and auction purchase"," — trucks and late-model EVs are the highest finance-risk categories in the data.",[101,543,544,547],{},[23,545,546],{},"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.",[101,549,550,553],{},[23,551,552],{},"Document each check"," in the vehicle file to support compliance and dispute resolution.",[31,555,557],{"id":556},"the-bottom-line","The bottom line",[11,559,560],{},"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.",[11,562,563],{},"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.",[31,565,567],{"id":566},"sources","Sources",[98,569,570,577,583,589,595,601,607],{},[101,571,572,576],{},[118,573,575],{"href":120,"rel":574},[122],"PPSR — About the PPSR"," (Australian Financial Security Authority)",[101,578,579],{},[118,580,582],{"href":353,"rel":581},[122],"ABS — Motor Vehicle Census, Australia",[101,584,585],{},[118,586,588],{"href":261,"rel":587},[122],"ABS — Recorded Crime: Victims, 2025",[101,590,591],{},[118,592,594],{"href":457,"rel":593},[122],"Service NSW — Transfer a vehicle registration",[101,596,597],{},[118,598,600],{"href":463,"rel":599},[122],"Queensland Government — Registration transfer",[101,602,603],{},[118,604,606],{"href":191,"rel":605},[122],"VicRoads — Buy, sell or transfer a vehicle",[101,608,609],{},[118,610,495],{"href":493,"rel":611},[122],[613,614,615],"blockquote",{},[11,616,617,620,621,625],{},[23,618,619],{},"About this data:"," 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 ",[118,622,624],{"href":623},"/resources/data-notes/AUCN-Data-Methodology","AUCN Data methodology and definitions"," for how these figures are produced.",{"title":627,"searchDepth":628,"depth":628,"links":629},"",2,[630,631,632,638,639,640,641,642,643,644,645,646,647,648],{"id":33,"depth":628,"text":34},{"id":127,"depth":628,"text":128},{"id":152,"depth":628,"text":153,"children":633},[634,636,637],{"id":160,"depth":635,"text":161},3,{"id":172,"depth":635,"text":173},{"id":197,"depth":635,"text":198},{"id":210,"depth":628,"text":211},{"id":237,"depth":628,"text":238},{"id":299,"depth":628,"text":300},{"id":359,"depth":628,"text":360},{"id":404,"depth":628,"text":405},{"id":417,"depth":628,"text":418},{"id":438,"depth":628,"text":439},{"id":499,"depth":628,"text":500},{"id":532,"depth":628,"text":533},{"id":556,"depth":628,"text":557},{"id":566,"depth":628,"text":567},"History & Risk","history-risk","/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.","md",[655,658,661,664],{"q":656,"a":657},"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":659,"a":660},"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":662,"a":663},"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":665,"a":666},"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":668},"2026-09-28",true,"/history-risk/aucn-data-nearly-1-in-4-used-cars-carry-a-hidden-risk-flag",8,{"title":5,"description":652},"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","2026-09-30","B2hJkV8LgQ3V_6HLalgrHku2-Qya1sTFqZ2nmWVIC4Q",null,[679,953,1255],{"id":680,"title":681,"articleId":682,"body":683,"category":649,"categorySlug":650,"cover":931,"description":932,"extension":653,"faq":933,"meta":946,"navigation":669,"path":947,"readTime":948,"seo":949,"slug":950,"stem":951,"updatedAt":675,"__hash__":952},"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":684,"toc":920},[685,691,694,702,706,709,731,735,738,745,749,754,757,763,766,770,807,809,837,841,859,861,864,868,887,889,911],[11,686,687,688,296],{},"Odometer fraud is usually discussed as if it were rare. AUCN's check data says otherwise: about ",[23,689,690],{},"4.2% of checks — roughly 1 in 24 — flag an odometer anomaly",[11,692,693],{},"That is higher than the stolen rate, and it is a risk most buyers never think to check.",[140,695],{"accent":696,"big":697,"caption":698,"legend":699,"note":700,"value":701},"#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",[31,703,705],{"id":704},"what-counts-as-an-anomaly","What counts as an anomaly",[11,707,708],{},"An odometer anomaly means the recorded history does not line up with the current reading. The most common patterns are:",[98,710,711,715,722,728],{},[101,712,221,713,225],{},[23,714,224],{},[101,716,717,718,721],{},"a ",[23,719,720],{},"sudden jump"," in a single year that does not fit the vehicle's history",[101,723,724,727],{},[23,725,726],{},"low kilometres for the car's age"," with no supporting service records",[101,729,730],{},"service-book stamps that do not match the progression of the odometer",[31,732,734],{"id":733},"an-anomaly-is-not-proof-of-fraud","An anomaly is not proof of fraud",[11,736,737],{},"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.",[11,739,740,741,744],{},"Misrepresenting a vehicle's odometer is a breach of the ",[118,742,495],{"href":493,"rel":743},[122],", and buyers who discover it after purchase have remedies, particularly when buying from a dealer.",[31,746,748],{"id":747},"where-the-anomalies-concentrate","Where the anomalies concentrate",[36,750],{"accent":696,"data":751,"note":752,"title":753,"unit":41},"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",[11,755,756],{},"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.",[36,758],{"accent":759,"data":760,"note":761,"title":762,"unit":41},"#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)",[11,764,765],{},"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.",[31,767,769],{"id":768},"how-to-verify-a-reading-yourself","How to verify a reading yourself",[441,771,772,778,784,790,801],{},[101,773,774,777],{},[23,775,776],{},"Get the service history"," and lay the odometer readings out in order.",[101,779,780,783],{},[23,781,782],{},"Check the wear against the number"," — a car showing 60,000 km should not have a worn-through driver's seat.",[101,785,786,789],{},[23,787,788],{},"Look at consumables"," — multiple sets of tyres and brake parts suggest more distance than the dash claims.",[101,791,792,795,796,800],{},[23,793,794],{},"Run a history check"," that compares recorded odometer data against the current reading — the same ",[118,797,799],{"href":120,"rel":798},[122],"$2 PPSR search"," that covers finance and write-off status is a good starting point.",[101,802,803,804,296],{},"If the seller cannot produce records for a suspiciously low reading, ",[23,805,806],{},"price the car as if the reading is unproven",[31,808,439],{"id":438},[98,810,811,818,825],{},[101,812,813,814,817],{},"Treat an anomaly flag as a ",[23,815,816],{},"negotiation fact",", not just a warning: it lowers the vehicle's defensible value.",[101,819,820,821,824],{},"Ask for the ",[23,822,823],{},"service books and digital service records"," before you inspect.",[101,826,827,828,291,832,836],{},"Remember the transfer deadlines — ",[118,829,831],{"href":457,"rel":830},[122],"14 days in NSW",[118,833,835],{"href":463,"rel":834},[122],"14 days in Queensland"," — so verification happens before, not after, the paperwork.",[31,838,840],{"id":839},"if-you-are-selling","If you are selling",[98,842,843,849,856],{},[101,844,845,848],{},[23,846,847],{},"Keep every service record."," Missing history is what turns a normal car into a flagged one.",[101,850,851,852,855],{},"If the cluster was replaced, ",[23,853,854],{},"document it"," — a receipt or repair invoice resolves the anomaly with buyers.",[101,857,858],{},"Never restate a reading you cannot evidence: in most states, odometer tampering carries significant penalties, and it is a clear breach of consumer law.",[31,860,557],{"id":556},[11,862,863],{},"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.",[31,865,867],{"id":866},"related-aucn-data","Related AUCN data",[98,869,870,876,881],{},[101,871,872],{},[118,873,875],{"href":874},"/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",[101,877,878],{},[118,879,880],{"href":285},"Written-off rates vary by state",[101,882,883],{},[118,884,886],{"href":885},"/resources/history-risk/How-to-Spot-Odometer-Rollbacks","How to spot odometer rollbacks and inconsistencies",[31,888,567],{"id":566},[98,890,891,896,901,906],{},[101,892,893],{},[118,894,495],{"href":493,"rel":895},[122],[101,897,898,576],{},[118,899,575],{"href":120,"rel":900},[122],[101,902,903],{},[118,904,594],{"href":457,"rel":905},[122],[101,907,908],{},[118,909,600],{"href":463,"rel":910},[122],[613,912,913],{},[11,914,915,917,918,625],{},[23,916,619],{}," 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 ",[118,919,624],{"href":623},{"title":627,"searchDepth":628,"depth":628,"links":921},[922,923,924,925,926,927,928,929,930],{"id":704,"depth":628,"text":705},{"id":733,"depth":628,"text":734},{"id":747,"depth":628,"text":748},{"id":768,"depth":628,"text":769},{"id":438,"depth":628,"text":439},{"id":839,"depth":628,"text":840},{"id":556,"depth":628,"text":557},{"id":866,"depth":628,"text":867},{"id":566,"depth":628,"text":567},"/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.",[934,937,940,943],{"q":935,"a":936},"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":938,"a":939},"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":941,"a":942},"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":944,"a":945},"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":668},"/history-risk/aucn-data-how-common-are-odometer-anomalies",4,{"title":681,"description":932},"AUCN-Data-How-Common-Are-Odometer-Anomalies","history-risk/AUCN-Data-How-Common-Are-Odometer-Anomalies","G01CIcksptVlW4gS_phS2_PeUH7i5ZabuqfSTjgRDqI",{"id":954,"title":955,"articleId":956,"body":957,"category":649,"categorySlug":650,"cover":1234,"description":1235,"extension":653,"faq":1236,"meta":1249,"navigation":669,"path":1250,"readTime":948,"seo":1251,"slug":1252,"stem":1253,"updatedAt":675,"__hash__":1254},"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":958,"toc":1223},[959,962,965,969,974,1051,1058,1062,1069,1073,1098,1101,1105,1110,1117,1121,1154,1158,1178,1180,1183,1185,1200,1202,1214],[11,960,961],{},"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.",[11,963,964],{},"The most-stolen brands in AUCN's data carry stolen rates several times higher than the typical mainstream car.",[31,966,968],{"id":967},"the-stolen-list","The stolen list",[36,970],{"data":971,"note":972,"title":973,"unit":41},"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",[43,975,976,986],{},[46,977,978],{},[49,979,980,983],{},[52,981,982],{},"Brand",[52,984,985],{},"Stolen-record rate",[59,987,988,996,1004,1012,1020,1028,1035,1043],{},[49,989,990,993],{},[64,991,992],{},"KTM (motorcycle)",[64,994,995],{},"6.8%",[49,997,998,1001],{},[64,999,1000],{},"Husqvarna (motorcycle)",[64,1002,1003],{},"6.3%",[49,1005,1006,1009],{},[64,1007,1008],{},"Aprilia (motorcycle)",[64,1010,1011],{},"3.6%",[49,1013,1014,1017],{},[64,1015,1016],{},"Chrysler",[64,1018,1019],{},"3.2%",[49,1021,1022,1025],{},[64,1023,1024],{},"Yamaha (motorcycle)",[64,1026,1027],{},"2.6%",[49,1029,1030,1033],{},[64,1031,1032],{},"Maserati",[64,1034,1027],{},[49,1036,1037,1040],{},[64,1038,1039],{},"Ducati (motorcycle)",[64,1041,1042],{},"2.4%",[49,1044,1045,1048],{},[64,1046,1047],{},"Typical mainstream car",[64,1049,1050],{},"~0.7%",[11,1052,1053,1054,1057],{},"A KTM in the data is nearly ",[23,1055,1056],{},"ten times"," more likely to carry a stolen record than a typical mainstream car.",[31,1059,1061],{"id":1060},"the-national-picture-backs-this-up","The national picture backs this up",[11,1063,1064,1065,1068],{},"Vehicle theft is not a legacy problem in Australia — it is getting worse. The Australian Bureau of Statistics recorded ",[118,1066,263],{"href":261,"rel":1067},[122],", an increase of 2% on the previous year and the highest number in 17 years.",[31,1070,1072],{"id":1071},"why-motorcycles-lead-the-list","Why motorcycles lead the list",[98,1074,1075,1082,1089,1095],{},[101,1076,1077,1078,1081],{},"Bikes are ",[23,1079,1080],{},"easy to move"," — two people and a trailer can take one in minutes.",[101,1083,1084,1085,1088],{},"They are ",[23,1086,1087],{},"easy to part out"," — engines, wheels and panels are valuable and hard to trace.",[101,1090,1091,1092,296],{},"Premium off-road and adventure models hold ",[23,1093,1094],{},"strong resale value",[101,1096,1097],{},"Identity details on older bikes are easier to misrepresent than a car's full identity record.",[11,1099,1100],{},"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.",[31,1102,1104],{"id":1103},"stolen-risk-by-vehicle-category","Stolen risk by vehicle category",[36,1106],{"data":1107,"note":1108,"title":1109,"unit":41},"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",[11,1111,1112,1113,1116],{},"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 ",[23,1114,1115],{},"lowest"," stolen rate of the major categories, which cuts against the common assumption that work vehicles are the risky ones.",[31,1118,1120],{"id":1119},"if-you-are-buying-a-motorcycle","If you are buying a motorcycle",[441,1122,1123,1132,1138,1144,1151],{},[101,1124,1125,1128,1129,296],{},[23,1126,1127],{},"Run a PPSR stolen check first"," — it covers the whole country and costs ",[118,1130,123],{"href":120,"rel":1131},[122],[101,1133,1134,1137],{},[23,1135,1136],{},"Match the engine number and VIN"," against the paperwork in person, not from photos.",[101,1139,820,1140,1143],{},[23,1141,1142],{},"original keys, logbook and service records"," — their absence is a red flag.",[101,1145,1146,1147,1150],{},"Be sceptical of a ",[23,1148,1149],{},"below-market price"," on a late-model, low-kilometre bike.",[101,1152,1153],{},"Confirm the seller's identity matches the registration records.",[31,1155,1157],{"id":1156},"if-you-are-selling-a-motorcycle","If you are selling a motorcycle",[98,1159,1160,1166,1172],{},[101,1161,1162,1165],{},[23,1163,1164],{},"Provide the check yourself."," A $2 PPSR search showing no stolen or finance record answers the buyer's biggest question before they ask it.",[101,1167,1168,1171],{},[23,1169,1170],{},"Photograph the VIN and engine number"," as part of the listing to pre-empt doubts.",[101,1173,1174,1177],{},[23,1175,1176],{},"Keep the service file"," — a documented bike sells faster and for more.",[31,1179,557],{"id":556},[11,1181,1182],{},"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.",[31,1184,867],{"id":866},[98,1186,1187,1191,1196],{},[101,1188,1189],{},[118,1190,875],{"href":874},[101,1192,1193],{},[118,1194,1195],{"href":276},"Which brands still have finance owing",[101,1197,1198],{},[118,1199,880],{"href":285},[31,1201,567],{"id":566},[98,1203,1204,1209],{},[101,1205,1206],{},[118,1207,588],{"href":261,"rel":1208},[122],[101,1210,1211,576],{},[118,1212,575],{"href":120,"rel":1213},[122],[613,1215,1216],{},[11,1217,1218,1220,1221,625],{},[23,1219,619],{}," 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 ",[118,1222,624],{"href":623},{"title":627,"searchDepth":628,"depth":628,"links":1224},[1225,1226,1227,1228,1229,1230,1231,1232,1233],{"id":967,"depth":628,"text":968},{"id":1060,"depth":628,"text":1061},{"id":1071,"depth":628,"text":1072},{"id":1103,"depth":628,"text":1104},{"id":1119,"depth":628,"text":1120},{"id":1156,"depth":628,"text":1157},{"id":556,"depth":628,"text":557},{"id":866,"depth":628,"text":867},{"id":566,"depth":628,"text":567},"/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.",[1237,1240,1243,1246],{"q":1238,"a":1239},"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":1241,"a":1242},"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":1244,"a":1245},"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":1247,"a":1248},"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":668},"/history-risk/aucn-data-motorcycles-top-the-stolen-list",{"title":955,"description":1235},"AUCN-Data-Motorcycles-Top-the-Stolen-List","history-risk/AUCN-Data-Motorcycles-Top-the-Stolen-List","cZqznipmF8LjgfU6u-UCG21ngB46ZBrb_5MyFCOnBJ4",{"id":1256,"title":1257,"articleId":1258,"body":1259,"category":649,"categorySlug":650,"cover":1624,"description":1625,"extension":653,"faq":1626,"meta":1639,"navigation":669,"path":1640,"readTime":948,"seo":1641,"slug":1642,"stem":1643,"updatedAt":675,"__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.",[31,1268,1270],{"id":1269},"the-brands-at-the-top","The brands at the top",[36,1272],{"data":1273,"note":1274,"title":1275,"unit":41},"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)",[43,1277,1278,1287],{},[46,1279,1280],{},[49,1281,1282,1284],{},[52,1283,982],{},[52,1285,1286],{},"Finance-owing rate",[59,1288,1289,1297,1305,1313,1321,1329,1337,1345,1353,1361],{},[49,1290,1291,1294],{},[64,1292,1293],{},"Kenworth (truck)",[64,1295,1296],{},"39.3%",[49,1298,1299,1302],{},[64,1300,1301],{},"RAM",[64,1303,1304],{},"38.6%",[49,1306,1307,1310],{},[64,1308,1309],{},"Scania (truck)",[64,1311,1312],{},"36.5%",[49,1314,1315,1318],{},[64,1316,1317],{},"Fuso (truck)",[64,1319,1320],{},"35.8%",[49,1322,1323,1326],{},[64,1324,1325],{},"Mack (truck)",[64,1327,1328],{},"32.4%",[49,1330,1331,1334],{},[64,1332,1333],{},"BYD",[64,1335,1336],{},"30.6%",[49,1338,1339,1342],{},[64,1340,1341],{},"Tesla",[64,1343,1344],{},"29.8%",[49,1346,1347,1350],{},[64,1348,1349],{},"Haval",[64,1351,1352],{},"28.1%",[49,1354,1355,1358],{},[64,1356,1357],{},"LDV",[64,1359,1360],{},"27.7%",[49,1362,1363,1366],{},[64,1364,1365],{},"Porsche",[64,1367,1368],{},"23.3%",[31,1370,1372],{"id":1371},"the-brands-at-the-bottom","The brands at the bottom",[36,1374],{"data":1375,"note":1376,"title":1377,"unit":41,"accent":204},"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)",[43,1379,1380,1388],{},[46,1381,1382],{},[49,1383,1384,1386],{},[52,1385,982],{},[52,1387,1286],{},[59,1389,1390,1398,1406,1413,1421],{},[49,1391,1392,1395],{},[64,1393,1394],{},"Subaru",[64,1396,1397],{},"6.6%",[49,1399,1400,1403],{},[64,1401,1402],{},"Suzuki",[64,1404,1405],{},"5.3%",[49,1407,1408,1411],{},[64,1409,1410],{},"Peugeot",[64,1412,85],{},[49,1414,1415,1418],{},[64,1416,1417],{},"Honda",[64,1419,1420],{},"4.0%",[49,1422,1423,1426],{},[64,1424,1425],{},"Daihatsu",[64,1427,93],{},[31,1429,1431],{"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:",[98,1436,1437,1443,1449],{},[101,1438,1439,1442],{},[23,1440,1441],{},"Commercial trucks sit at the very top."," A Kenworth, Mack or Scania is an expensive business asset and almost always financed at some point.",[101,1444,1445,1448],{},[23,1446,1447],{},"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.",[101,1450,1451,1454],{},[23,1452,1453],{},"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 ",[118,1459,1461],{"href":120,"rel":1460},[122],"PPSR"," costs $2 and is the only reliable way to confirm whether an interest is still registered — a seller's word is not evidence.",[31,1464,1466],{"id":1465},"the-pattern-holds-by-vehicle-type","The pattern holds by vehicle type",[36,1468],{"data":1469,"note":1470,"title":1471,"unit":41},"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",[31,1473,1475],{"id":1474},"and-by-vehicle-age","And by vehicle age",[36,1477],{"data":1478,"note":1479,"title":1480,"unit":41,"accent":312},"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: ",[23,1485,1486],{},"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.",[31,1489,439],{"id":438},[441,1491,1492,1498,1504,1510],{},[101,1493,1494,1497],{},[23,1495,1496],{},"Check the PPSR before negotiating."," If finance is registered, the price is not the real price until the payout is confirmed.",[101,1499,1500,1503],{},[23,1501,1502],{},"Ask for a payout letter"," from the lender and confirm the discharge date in writing.",[101,1505,1506,1509],{},[23,1507,1508],{},"Settle the finance at settlement"," — do not accept \"I'll pay it off next week\".",[101,1511,1512,1515],{},[23,1513,1514],{},"Re-check on the day you pay."," A security interest can be registered against a vehicle at any time before settlement.",[31,1517,500],{"id":499},[98,1519,1520,1526,1532],{},[101,1521,1522,1525],{},[23,1523,1524],{},"Discharge finance before you advertise."," A clear PPSR result removes the single biggest objection buyers raise.",[101,1527,1528,1531],{},[23,1529,1530],{},"Have the paperwork ready",": payout letter, discharge confirmation, service records, and the original PPSR search.",[101,1533,1534,1537],{},[23,1535,1536],{},"Expect buyers to ask for a $2 search."," Offering it yourself shortens the deal and protects you from disputes later.",[31,1539,533],{"id":532},[98,1541,1542,1548,1554],{},[101,1543,1544,1547],{},[23,1545,1546],{},"Screen every trade-in",", especially utes, trucks, EVs and premium vehicles — the four highest-risk categories in the data.",[101,1549,1550,1553],{},[23,1551,1552],{},"Re-check aged stock."," Finance or a new registration can appear on a vehicle after purchase.",[101,1555,1556,1559],{},[23,1557,1558],{},"Keep each search in the vehicle file"," to support compliance and dispute resolution.",[31,1561,557],{"id":556},[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.",[31,1566,867],{"id":866},[98,1568,1569,1573,1578],{},[101,1570,1571],{},[118,1572,875],{"href":874},[101,1574,1575],{},[118,1576,1577],{"href":281},"Motorcycles top the stolen list",[101,1579,1580],{},[118,1581,1582],{"href":294},"How much value a car keeps by age",[31,1584,567],{"id":566},[98,1586,1587,1592,1597],{},[101,1588,1589,576],{},[118,1590,575],{"href":120,"rel":1591},[122],[101,1593,1594],{},[118,1595,495],{"href":493,"rel":1596},[122],[101,1598,1599],{},[118,1600,606],{"href":191,"rel":1601},[122],[613,1603,1604],{},[11,1605,1606,1608,1609,625],{},[23,1607,619],{}," 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 ",[118,1610,624],{"href":623},{"title":627,"searchDepth":628,"depth":628,"links":1612},[1613,1614,1615,1616,1617,1618,1619,1620,1621,1622,1623],{"id":1269,"depth":628,"text":1270},{"id":1371,"depth":628,"text":1372},{"id":1430,"depth":628,"text":1431},{"id":1465,"depth":628,"text":1466},{"id":1474,"depth":628,"text":1475},{"id":438,"depth":628,"text":439},{"id":499,"depth":628,"text":500},{"id":532,"depth":628,"text":533},{"id":556,"depth":628,"text":557},{"id":866,"depth":628,"text":867},{"id":566,"depth":628,"text":567},"/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":668},"/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",1790756168582]