[{"data":1,"prerenderedAt":1645},["ShallowReactive",2],{"article-history-risk-AUCN-Data-Which-Brands-Are-Most-Likely-to-Have-Finance-Owing":3,"article-id-AUCN-Data-Which-Brands-Are-Most-Likely-to-Have-Finance-Owing":452,"related-AUCN-Data-Which-Brands-Are-Most-Likely-to-Have-Finance-Owing":453},{"id":4,"title":5,"articleId":6,"body":7,"category":424,"categorySlug":425,"cover":426,"description":427,"extension":428,"faq":429,"meta":442,"navigation":444,"path":445,"readTime":446,"seo":447,"slug":448,"stem":449,"updatedAt":450,"__hash__":451},"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":9,"toc":409},"minimark",[10,14,17,22,29,129,133,139,191,195,198,221,232,236,241,245,251,258,262,289,293,313,317,337,341,344,348,368,372,395],[11,12,13],"p",{},"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%.",[11,15,16],{},"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.",[18,19,21],"h2",{"id":20},"the-brands-at-the-top","The brands at the top",[23,24],"data-bars",{"data":25,"note":26,"title":27,"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)","%",[30,31,32,45],"table",{},[33,34,35],"thead",{},[36,37,38,42],"tr",{},[39,40,41],"th",{},"Brand",[39,43,44],{},"Finance-owing rate",[46,47,48,57,65,73,81,89,97,105,113,121],"tbody",{},[36,49,50,54],{},[51,52,53],"td",{},"Kenworth (truck)",[51,55,56],{},"39.3%",[36,58,59,62],{},[51,60,61],{},"RAM",[51,63,64],{},"38.6%",[36,66,67,70],{},[51,68,69],{},"Scania (truck)",[51,71,72],{},"36.5%",[36,74,75,78],{},[51,76,77],{},"Fuso (truck)",[51,79,80],{},"35.8%",[36,82,83,86],{},[51,84,85],{},"Mack (truck)",[51,87,88],{},"32.4%",[36,90,91,94],{},[51,92,93],{},"BYD",[51,95,96],{},"30.6%",[36,98,99,102],{},[51,100,101],{},"Tesla",[51,103,104],{},"29.8%",[36,106,107,110],{},[51,108,109],{},"Haval",[51,111,112],{},"28.1%",[36,114,115,118],{},[51,116,117],{},"LDV",[51,119,120],{},"27.7%",[36,122,123,126],{},[51,124,125],{},"Porsche",[51,127,128],{},"23.3%",[18,130,132],{"id":131},"the-brands-at-the-bottom","The brands at the bottom",[23,134],{"data":135,"note":136,"title":137,"unit":28,"accent":138},"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)","#50A4FF",[30,140,141,149],{},[33,142,143],{},[36,144,145,147],{},[39,146,41],{},[39,148,44],{},[46,150,151,159,167,175,183],{},[36,152,153,156],{},[51,154,155],{},"Subaru",[51,157,158],{},"6.6%",[36,160,161,164],{},[51,162,163],{},"Suzuki",[51,165,166],{},"5.3%",[36,168,169,172],{},[51,170,171],{},"Peugeot",[51,173,174],{},"4.2%",[36,176,177,180],{},[51,178,179],{},"Honda",[51,181,182],{},"4.0%",[36,184,185,188],{},[51,186,187],{},"Daihatsu",[51,189,190],{},"0.7%",[18,192,194],{"id":193},"why-the-gap-is-so-wide","Why the gap is so wide",[11,196,197],{},"The pattern is not really about brand reputation — it is about price, age and what the vehicle is used for:",[199,200,201,209,215],"ul",{},[202,203,204,208],"li",{},[205,206,207],"strong",{},"Commercial trucks sit at the very top."," A Kenworth, Mack or Scania is an expensive business asset and almost always financed at some point.",[202,210,211,214],{},[205,212,213],{},"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.",[202,216,217,220],{},[205,218,219],{},"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.",[11,222,223,224,231],{},"A vehicle search on the ",[225,226,230],"a",{"href":227,"rel":228},"https://www.ppsr.gov.au/about-ppsr",[229],"nofollow","PPSR"," costs $2 and is the only reliable way to confirm whether an interest is still registered — a seller's word is not evidence.",[18,233,235],{"id":234},"the-pattern-holds-by-vehicle-type","The pattern holds by vehicle type",[23,237],{"data":238,"note":239,"title":240,"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",[18,242,244],{"id":243},"and-by-vehicle-age","And by vehicle age",[23,246],{"data":247,"note":248,"title":249,"unit":28,"accent":250},"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","#FF4033",[11,252,253,254,257],{},"This is the single most useful reframe for buyers: ",[205,255,256],{},"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.",[18,259,261],{"id":260},"if-you-are-buying","If you are buying",[263,264,265,271,277,283],"ol",{},[202,266,267,270],{},[205,268,269],{},"Check the PPSR before negotiating."," If finance is registered, the price is not the real price until the payout is confirmed.",[202,272,273,276],{},[205,274,275],{},"Ask for a payout letter"," from the lender and confirm the discharge date in writing.",[202,278,279,282],{},[205,280,281],{},"Settle the finance at settlement"," — do not accept \"I'll pay it off next week\".",[202,284,285,288],{},[205,286,287],{},"Re-check on the day you pay."," A security interest can be registered against a vehicle at any time before settlement.",[18,290,292],{"id":291},"if-you-are-selling-or-trading-in","If you are selling or trading in",[199,294,295,301,307],{},[202,296,297,300],{},[205,298,299],{},"Discharge finance before you advertise."," A clear PPSR result removes the single biggest objection buyers raise.",[202,302,303,306],{},[205,304,305],{},"Have the paperwork ready",": payout letter, discharge confirmation, service records, and the original PPSR search.",[202,308,309,312],{},[205,310,311],{},"Expect buyers to ask for a $2 search."," Offering it yourself shortens the deal and protects you from disputes later.",[18,314,316],{"id":315},"if-you-are-a-dealer-or-buying-stock","If you are a dealer or buying stock",[199,318,319,325,331],{},[202,320,321,324],{},[205,322,323],{},"Screen every trade-in",", especially utes, trucks, EVs and premium vehicles — the four highest-risk categories in the data.",[202,326,327,330],{},[205,328,329],{},"Re-check aged stock."," Finance or a new registration can appear on a vehicle after purchase.",[202,332,333,336],{},[205,334,335],{},"Keep each search in the vehicle file"," to support compliance and dispute resolution.",[18,338,340],{"id":339},"the-bottom-line","The bottom line",[11,342,343],{},"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.",[18,345,347],{"id":346},"related-aucn-data","Related AUCN data",[199,349,350,356,362],{},[202,351,352],{},[225,353,355],{"href":354},"/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",[202,357,358],{},[225,359,361],{"href":360},"/resources/history-risk/AUCN-Data-Motorcycles-Top-the-Stolen-List","Motorcycles top the stolen list",[202,363,364],{},[225,365,367],{"href":366},"/resources/valuation/AUCN-Data-How-Much-Value-a-Car-Keeps-by-Age","How much value a car keeps by age",[18,369,371],{"id":370},"sources","Sources",[199,373,374,381,388],{},[202,375,376,380],{},[225,377,379],{"href":227,"rel":378},[229],"PPSR — About the PPSR"," (Australian Financial Security Authority)",[202,382,383],{},[225,384,387],{"href":385,"rel":386},"https://consumerlaw.gov.au/",[229],"Australian Consumer Law",[202,389,390],{},[225,391,394],{"href":392,"rel":393},"https://www.vicroads.vic.gov.au/registration/buy-sell-or-transfer-a-vehicle",[229],"VicRoads — Buy, sell or transfer a vehicle",[396,397,398],"blockquote",{},[11,399,400,403,404,408],{},[205,401,402],{},"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. Smaller-volume brands are noted as approximate. See the ",[225,405,407],{"href":406},"/resources/data-notes/AUCN-Data-Methodology","AUCN Data methodology and definitions"," for how these figures are produced.",{"title":410,"searchDepth":411,"depth":411,"links":412},"",2,[413,414,415,416,417,418,419,420,421,422,423],{"id":20,"depth":411,"text":21},{"id":131,"depth":411,"text":132},{"id":193,"depth":411,"text":194},{"id":234,"depth":411,"text":235},{"id":243,"depth":411,"text":244},{"id":260,"depth":411,"text":261},{"id":291,"depth":411,"text":292},{"id":315,"depth":411,"text":316},{"id":339,"depth":411,"text":340},{"id":346,"depth":411,"text":347},{"id":370,"depth":411,"text":371},"History & Risk","history-risk","/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.","md",[430,433,436,439],{"q":431,"a":432},"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":434,"a":435},"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":437,"a":438},"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":440,"a":441},"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":443},"2026-09-28",true,"/history-risk/aucn-data-which-brands-are-most-likely-to-have-finance-owing",4,{"title":5,"description":427},"AUCN-Data-Which-Brands-Are-Most-Likely-to-Have-Finance-Owing","history-risk/AUCN-Data-Which-Brands-Are-Most-Likely-to-Have-Finance-Owing","2026-09-30","p0RP7bgpPUPKEwDbCDGd5xjo8EzkRwD3xibIRYC1gMY",null,[454,734,1040],{"id":455,"title":456,"articleId":457,"body":458,"category":424,"categorySlug":425,"cover":713,"description":714,"extension":428,"faq":715,"meta":728,"navigation":444,"path":729,"readTime":446,"seo":730,"slug":731,"stem":732,"updatedAt":450,"__hash__":733},"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":459,"toc":702},[460,467,470,479,483,486,511,515,518,525,529,534,537,543,546,550,587,589,620,624,642,644,647,649,667,669,693],[11,461,462,463,466],{},"Odometer fraud is usually discussed as if it were rare. AUCN's check data says otherwise: about ",[205,464,465],{},"4.2% of checks — roughly 1 in 24 — flag an odometer anomaly",".",[11,468,469],{},"That is higher than the stolen rate, and it is a risk most buyers never think to check.",[471,472],"data-donut",{"accent":473,"big":474,"caption":475,"legend":476,"note":477,"value":478},"#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",[18,480,482],{"id":481},"what-counts-as-an-anomaly","What counts as an anomaly",[11,484,485],{},"An odometer anomaly means the recorded history does not line up with the current reading. The most common patterns are:",[199,487,488,495,502,508],{},[202,489,490,491,494],{},"a recorded reading that is later ",[205,492,493],{},"lower"," than an earlier reading",[202,496,497,498,501],{},"a ",[205,499,500],{},"sudden jump"," in a single year that does not fit the vehicle's history",[202,503,504,507],{},[205,505,506],{},"low kilometres for the car's age"," with no supporting service records",[202,509,510],{},"service-book stamps that do not match the progression of the odometer",[18,512,514],{"id":513},"an-anomaly-is-not-proof-of-fraud","An anomaly is not proof of fraud",[11,516,517],{},"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.",[11,519,520,521,524],{},"Misrepresenting a vehicle's odometer is a breach of the ",[225,522,387],{"href":385,"rel":523},[229],", and buyers who discover it after purchase have remedies, particularly when buying from a dealer.",[18,526,528],{"id":527},"where-the-anomalies-concentrate","Where the anomalies concentrate",[23,530],{"accent":473,"data":531,"note":532,"title":533,"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",[11,535,536],{},"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.",[23,538],{"accent":539,"data":540,"note":541,"title":542,"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)",[11,544,545],{},"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.",[18,547,549],{"id":548},"how-to-verify-a-reading-yourself","How to verify a reading yourself",[263,551,552,558,564,570,581],{},[202,553,554,557],{},[205,555,556],{},"Get the service history"," and lay the odometer readings out in order.",[202,559,560,563],{},[205,561,562],{},"Check the wear against the number"," — a car showing 60,000 km should not have a worn-through driver's seat.",[202,565,566,569],{},[205,567,568],{},"Look at consumables"," — multiple sets of tyres and brake parts suggest more distance than the dash claims.",[202,571,572,575,576,580],{},[205,573,574],{},"Run a history check"," that compares recorded odometer data against the current reading — the same ",[225,577,579],{"href":227,"rel":578},[229],"$2 PPSR search"," that covers finance and write-off status is a good starting point.",[202,582,583,584,466],{},"If the seller cannot produce records for a suspiciously low reading, ",[205,585,586],{},"price the car as if the reading is unproven",[18,588,261],{"id":260},[199,590,591,598,605],{},[202,592,593,594,597],{},"Treat an anomaly flag as a ",[205,595,596],{},"negotiation fact",", not just a warning: it lowers the vehicle's defensible value.",[202,599,600,601,604],{},"Ask for the ",[205,602,603],{},"service books and digital service records"," before you inspect.",[202,606,607,608,613,614,619],{},"Remember the transfer deadlines — ",[225,609,612],{"href":610,"rel":611},"https://www.service.nsw.gov.au/transaction/transfer-a-vehicle-registration",[229],"14 days in NSW"," and ",[225,615,618],{"href":616,"rel":617},"https://www.qld.gov.au/transport/registration/transfer",[229],"14 days in Queensland"," — so verification happens before, not after, the paperwork.",[18,621,623],{"id":622},"if-you-are-selling","If you are selling",[199,625,626,632,639],{},[202,627,628,631],{},[205,629,630],{},"Keep every service record."," Missing history is what turns a normal car into a flagged one.",[202,633,634,635,638],{},"If the cluster was replaced, ",[205,636,637],{},"document it"," — a receipt or repair invoice resolves the anomaly with buyers.",[202,640,641],{},"Never restate a reading you cannot evidence: in most states, odometer tampering carries significant penalties, and it is a clear breach of consumer law.",[18,643,340],{"id":339},[11,645,646],{},"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.",[18,648,347],{"id":346},[199,650,651,655,661],{},[202,652,653],{},[225,654,355],{"href":354},[202,656,657],{},[225,658,660],{"href":659},"/resources/history-risk/AUCN-Data-Written-Off-Rates-Vary-by-State","Written-off rates vary by state",[202,662,663],{},[225,664,666],{"href":665},"/resources/history-risk/How-to-Spot-Odometer-Rollbacks","How to spot odometer rollbacks and inconsistencies",[18,668,371],{"id":370},[199,670,671,676,681,687],{},[202,672,673],{},[225,674,387],{"href":385,"rel":675},[229],[202,677,678,380],{},[225,679,379],{"href":227,"rel":680},[229],[202,682,683],{},[225,684,686],{"href":610,"rel":685},[229],"Service NSW — Transfer a vehicle registration",[202,688,689],{},[225,690,692],{"href":616,"rel":691},[229],"Queensland Government — Registration transfer",[396,694,695],{},[11,696,697,699,700,408],{},[205,698,402],{}," 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 ",[225,701,407],{"href":406},{"title":410,"searchDepth":411,"depth":411,"links":703},[704,705,706,707,708,709,710,711,712],{"id":481,"depth":411,"text":482},{"id":513,"depth":411,"text":514},{"id":527,"depth":411,"text":528},{"id":548,"depth":411,"text":549},{"id":260,"depth":411,"text":261},{"id":622,"depth":411,"text":623},{"id":339,"depth":411,"text":340},{"id":346,"depth":411,"text":347},{"id":370,"depth":411,"text":371},"/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.",[716,719,722,725],{"q":717,"a":718},"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":720,"a":721},"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":723,"a":724},"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":726,"a":727},"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":443},"/history-risk/aucn-data-how-common-are-odometer-anomalies",{"title":456,"description":714},"AUCN-Data-How-Common-Are-Odometer-Anomalies","history-risk/AUCN-Data-How-Common-Are-Odometer-Anomalies","G01CIcksptVlW4gS_phS2_PeUH7i5ZabuqfSTjgRDqI",{"id":735,"title":736,"articleId":737,"body":738,"category":424,"categorySlug":425,"cover":1019,"description":1020,"extension":428,"faq":1021,"meta":1034,"navigation":444,"path":1035,"readTime":446,"seo":1036,"slug":1037,"stem":1038,"updatedAt":450,"__hash__":1039},"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":739,"toc":1008},[740,743,746,750,755,831,838,842,851,855,880,883,887,892,899,903,937,941,961,963,966,968,984,986,999],[11,741,742],{},"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.",[11,744,745],{},"The most-stolen brands in AUCN's data carry stolen rates several times higher than the typical mainstream car.",[18,747,749],{"id":748},"the-stolen-list","The stolen list",[23,751],{"data":752,"note":753,"title":754,"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",[30,756,757,766],{},[33,758,759],{},[36,760,761,763],{},[39,762,41],{},[39,764,765],{},"Stolen-record rate",[46,767,768,776,784,792,800,808,815,823],{},[36,769,770,773],{},[51,771,772],{},"KTM (motorcycle)",[51,774,775],{},"6.8%",[36,777,778,781],{},[51,779,780],{},"Husqvarna (motorcycle)",[51,782,783],{},"6.3%",[36,785,786,789],{},[51,787,788],{},"Aprilia (motorcycle)",[51,790,791],{},"3.6%",[36,793,794,797],{},[51,795,796],{},"Chrysler",[51,798,799],{},"3.2%",[36,801,802,805],{},[51,803,804],{},"Yamaha (motorcycle)",[51,806,807],{},"2.6%",[36,809,810,813],{},[51,811,812],{},"Maserati",[51,814,807],{},[36,816,817,820],{},[51,818,819],{},"Ducati (motorcycle)",[51,821,822],{},"2.4%",[36,824,825,828],{},[51,826,827],{},"Typical mainstream car",[51,829,830],{},"~0.7%",[11,832,833,834,837],{},"A KTM in the data is nearly ",[205,835,836],{},"ten times"," more likely to carry a stolen record than a typical mainstream car.",[18,839,841],{"id":840},"the-national-picture-backs-this-up","The national picture backs this up",[11,843,844,845,850],{},"Vehicle theft is not a legacy problem in Australia — it is getting worse. The Australian Bureau of Statistics recorded ",[225,846,849],{"href":847,"rel":848},"https://www.abs.gov.au/statistics/people/crime-and-justice/recorded-crime-victims-australia/latest-release",[229],"66,625 motor vehicle theft victims in 2025",", an increase of 2% on the previous year and the highest number in 17 years.",[18,852,854],{"id":853},"why-motorcycles-lead-the-list","Why motorcycles lead the list",[199,856,857,864,871,877],{},[202,858,859,860,863],{},"Bikes are ",[205,861,862],{},"easy to move"," — two people and a trailer can take one in minutes.",[202,865,866,867,870],{},"They are ",[205,868,869],{},"easy to part out"," — engines, wheels and panels are valuable and hard to trace.",[202,872,873,874,466],{},"Premium off-road and adventure models hold ",[205,875,876],{},"strong resale value",[202,878,879],{},"Identity details on older bikes are easier to misrepresent than a car's full identity record.",[11,881,882],{},"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.",[18,884,886],{"id":885},"stolen-risk-by-vehicle-category","Stolen risk by vehicle category",[23,888],{"data":889,"note":890,"title":891,"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",[11,893,894,895,898],{},"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 ",[205,896,897],{},"lowest"," stolen rate of the major categories, which cuts against the common assumption that work vehicles are the risky ones.",[18,900,902],{"id":901},"if-you-are-buying-a-motorcycle","If you are buying a motorcycle",[263,904,905,915,921,927,934],{},[202,906,907,910,911,466],{},[205,908,909],{},"Run a PPSR stolen check first"," — it covers the whole country and costs ",[225,912,914],{"href":227,"rel":913},[229],"$2",[202,916,917,920],{},[205,918,919],{},"Match the engine number and VIN"," against the paperwork in person, not from photos.",[202,922,600,923,926],{},[205,924,925],{},"original keys, logbook and service records"," — their absence is a red flag.",[202,928,929,930,933],{},"Be sceptical of a ",[205,931,932],{},"below-market price"," on a late-model, low-kilometre bike.",[202,935,936],{},"Confirm the seller's identity matches the registration records.",[18,938,940],{"id":939},"if-you-are-selling-a-motorcycle","If you are selling a motorcycle",[199,942,943,949,955],{},[202,944,945,948],{},[205,946,947],{},"Provide the check yourself."," A $2 PPSR search showing no stolen or finance record answers the buyer's biggest question before they ask it.",[202,950,951,954],{},[205,952,953],{},"Photograph the VIN and engine number"," as part of the listing to pre-empt doubts.",[202,956,957,960],{},[205,958,959],{},"Keep the service file"," — a documented bike sells faster and for more.",[18,962,340],{"id":339},[11,964,965],{},"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.",[18,967,347],{"id":346},[199,969,970,974,980],{},[202,971,972],{},[225,973,355],{"href":354},[202,975,976],{},[225,977,979],{"href":978},"/resources/history-risk/AUCN-Data-Which-Brands-Are-Most-Likely-to-Have-Finance-Owing","Which brands still have finance owing",[202,981,982],{},[225,983,660],{"href":659},[18,985,371],{"id":370},[199,987,988,994],{},[202,989,990],{},[225,991,993],{"href":847,"rel":992},[229],"ABS — Recorded Crime: Victims, 2025",[202,995,996,380],{},[225,997,379],{"href":227,"rel":998},[229],[396,1000,1001],{},[11,1002,1003,1005,1006,408],{},[205,1004,402],{}," 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 ",[225,1007,407],{"href":406},{"title":410,"searchDepth":411,"depth":411,"links":1009},[1010,1011,1012,1013,1014,1015,1016,1017,1018],{"id":748,"depth":411,"text":749},{"id":840,"depth":411,"text":841},{"id":853,"depth":411,"text":854},{"id":885,"depth":411,"text":886},{"id":901,"depth":411,"text":902},{"id":939,"depth":411,"text":940},{"id":339,"depth":411,"text":340},{"id":346,"depth":411,"text":347},{"id":370,"depth":411,"text":371},"/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.",[1022,1025,1028,1031],{"q":1023,"a":1024},"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":1026,"a":1027},"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":1029,"a":1030},"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":1032,"a":1033},"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":443},"/history-risk/aucn-data-motorcycles-top-the-stolen-list",{"title":736,"description":1020},"AUCN-Data-Motorcycles-Top-the-Stolen-List","history-risk/AUCN-Data-Motorcycles-Top-the-Stolen-List","cZqznipmF8LjgfU6u-UCG21ngB46ZBrb_5MyFCOnBJ4",{"id":1041,"title":1042,"articleId":1043,"body":1044,"category":424,"categorySlug":425,"cover":1623,"description":1624,"extension":428,"faq":1625,"meta":1638,"navigation":444,"path":1639,"readTime":1640,"seo":1641,"slug":1642,"stem":1643,"updatedAt":450,"__hash__":1644},"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":1045,"toc":1602},[1046,1054,1061,1064,1068,1073,1117,1120,1135,1142,1146,1156,1163,1166,1170,1173,1178,1183,1186,1190,1195,1202,1210,1214,1219,1222,1226,1231,1243,1246,1250,1280,1300,1304,1310,1315,1318,1350,1359,1363,1368,1404,1408,1414,1417,1421,1424,1435,1438,1440,1492,1494,1497,1523,1525,1545,1547,1550,1553,1555,1593],[11,1047,1048,1049,1053],{},"If you are buying a used car in Australia, the question is not whether something ",[1050,1051,1052],"em",{},"could"," be wrong. The question is how often something actually is.",[11,1055,1056,1057,1060],{},"AUCN analyses the outcome of every PPSR and vehicle-history check it runs. Across all checks through September 2026, nearly ",[205,1058,1059],{},"one in four vehicles"," carried at least one risk flag: finance owing, a written-off record, a stolen record, or an odometer anomaly.",[11,1062,1063],{},"Every figure below is a percentage, drawn from AUCN's own check data — and each one comes with what it means for your decision.",[18,1065,1067],{"id":1066},"the-four-risks-by-the-numbers","The four risks, by the numbers",[23,1069],{"data":1070,"note":1071,"title":1072,"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",[30,1074,1075,1085],{},[33,1076,1077],{},[36,1078,1079,1082],{},[39,1080,1081],{},"Risk flag",[39,1083,1084],{},"Share of checks",[46,1086,1087,1095,1103,1110],{},[36,1088,1089,1092],{},[51,1090,1091],{},"Finance owing (active security interest)",[51,1093,1094],{},"10.8%",[36,1096,1097,1100],{},[51,1098,1099],{},"Written-off history",[51,1101,1102],{},"8.6%",[36,1104,1105,1108],{},[51,1106,1107],{},"Odometer anomaly",[51,1109,174],{},[36,1111,1112,1115],{},[51,1113,1114],{},"Reported stolen",[51,1116,190],{},[11,1118,1119],{},"Two numbers deserve the most attention:",[199,1121,1122,1129],{},[202,1123,1124,1125,1128],{},"About ",[205,1126,1127],{},"1 in 9"," vehicles still had finance owing when checked.",[202,1130,1124,1131,1134],{},[205,1132,1133],{},"1 in 12"," had a written-off history.",[11,1136,1137,1138,1141],{},"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 ",[225,1139,914],{"href":227,"rel":1140},[229]," — which is why the check is the cheapest form of protection in the whole transaction.",[18,1143,1145],{"id":1144},"one-check-multiple-risks","One check, multiple risks",[11,1147,1148,1149,1152,1153,1155],{},"Risk flags overlap. A car can have finance owing ",[1050,1150,1151],{},"and"," a past write-off, or an odometer anomaly ",[1050,1154,1151],{}," stolen history.",[471,1157],{"big":1158,"caption":1159,"legend":1160,"note":1161,"value":1162},"≈ 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",[11,1164,1165],{},"That is the real headline: a \"clean car\" is not the default assumption. It is something you verify — before money changes hands, not after.",[18,1167,1169],{"id":1168},"where-you-buy-changes-the-odds","Where you buy changes the odds",[11,1171,1172],{},"Risk is not evenly spread across Australia.",[1174,1175,1177],"h3",{"id":1176},"the-state-ranking-by-overall-risk","The state ranking by overall risk",[23,1179],{"data":1180,"note":1181,"title":1182,"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",[11,1184,1185],{},"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.",[1174,1187,1189],{"id":1188},"written-off-history-by-state","Written-off history by state",[23,1191],{"data":1192,"note":1193,"title":1194,"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)",[11,1196,1197,1198,1201],{},"The gap is striking: write-off flags in QLD, WA and SA run at ",[205,1199,1200],{},"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.",[11,1203,1204,1205,1209],{},"It also means an interstate import deserves extra scrutiny. Every state runs a written-off vehicle register, and the ",[225,1206,1208],{"href":392,"rel":1207},[229],"Victorian"," and Queensland systems are good places to start reading about how the registers work.",[1174,1211,1213],{"id":1212},"finance-owing-by-state","Finance owing by state",[23,1215],{"data":1216,"note":1217,"title":1218,"unit":28,"accent":138},"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)",[11,1220,1221],{},"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.",[18,1223,1225],{"id":1224},"odometer-anomalies-are-more-common-than-people-think","Odometer anomalies are more common than people think",[11,1227,1124,1228,1230],{},[205,1229,174],{}," of checks show an odometer anomaly — evidence that the recorded odometer history does not line up with the current reading. The typical patterns:",[199,1232,1233,1237,1240],{},[202,1234,490,1235,494],{},[1050,1236,493],{},[202,1238,1239],{},"a sudden jump in one year that does not fit the vehicle's history",[202,1241,1242],{},"low kilometres for age with no supporting service records",[11,1244,1245],{},"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.",[18,1247,1249],{"id":1248},"what-the-brands-tell-you","What the brands tell you",[199,1251,1252,1258,1264,1274],{},[202,1253,1254,1257],{},[205,1255,1256],{},"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.",[202,1259,1260,1263],{},[205,1261,1262],{},"Older, cheaper cars are the cleanest on finance"," — Daihatsu, Honda, Suzuki and Subaru all sit below 7%.",[202,1265,1266,1269,1270,1273],{},[205,1267,1268],{},"Motorcycles dominate the stolen list",": KTM, Husqvarna and Yamaha show stolen rates far above mainstream cars. Nationally, the ABS recorded ",[225,1271,849],{"href":847,"rel":1272},[229],", the highest in 17 years.",[202,1275,1276,1279],{},[205,1277,1278],{},"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.",[11,1281,1282,1283,1286,1287,1286,1290,1286,1293,613,1297,466],{},"Each of these patterns has its own deep-dive: ",[225,1284,1285],{"href":978},"finance owing by brand",", ",[225,1288,1289],{"href":360},"stolen records",[225,1291,1292],{"href":659},"written-off rates by state",[225,1294,1296],{"href":1295},"/resources/history-risk/AUCN-Data-How-Common-Are-Odometer-Anomalies","odometer anomalies",[225,1298,1299],{"href":366},"value retention by age",[18,1301,1303],{"id":1302},"risk-peaks-in-mid-age-cars-not-old-ones","Risk peaks in mid-age cars, not old ones",[11,1305,1306,1307,466],{},"The most counter-intuitive finding in the data: ",[205,1308,1309],{},"risk does not rise with age — it peaks in the middle",[23,1311],{"data":1312,"note":1313,"title":1314,"unit":28,"accent":250},"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)",[11,1316,1317],{},"The reasons differ by age band, and each has a different lesson for buyers:",[199,1319,1320,1326,1332,1338,1344],{},[202,1321,1322,1325],{},[205,1323,1324],{},"0–3 years:"," risk is almost entirely finance — 26.2% still carry a security interest, because the loan is young.",[202,1327,1328,1331],{},[205,1329,1330],{},"4–7 years:"," the highest-risk window overall at 39.9%. Finance is still common (23.8%) and write-offs climb to 11.3%.",[202,1333,1334,1337],{},[205,1335,1336],{},"8–11 years:"," write-off history peaks at 12.0% and odometer anomalies peak at 7.4% — this is where history gets messy.",[202,1339,1340,1343],{},[205,1341,1342],{},"12–15 years:"," finance falls away (8.5%), but write-offs are still above 10%.",[202,1345,1346,1349],{},[205,1347,1348],{},"16+ years:"," the cleanest group by percentage — most finance is long discharged, and the cars still on the road have survived.",[11,1351,1352,1353,1358],{},"That lines up with the national fleet: the ABS Motor Vehicle Census puts the ",[225,1354,1357],{"href":1355,"rel":1356},"https://www.abs.gov.au/statistics/industry/tourism-and-transport/motor-vehicle-census-australia/latest-release",[229],"average age of Australian vehicles at 10.6 years",", with Tasmania the oldest at 13.3 years.",[18,1360,1362],{"id":1361},"vehicle-type-changes-the-odds-too","Vehicle type changes the odds too",[23,1364],{"data":1365,"note":1366,"title":1367,"unit":28,"accent":138},"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",[199,1369,1370,1376,1382,1388,1398],{},[202,1371,1372,1375],{},[205,1373,1374],{},"Trucks and heavy vehicles"," carry the most risk (31.8%), driven by finance at 19.4% — they are business assets with long finance terms.",[202,1377,1378,1381],{},[205,1379,1380],{},"Passenger cars"," sit at 24.8%, with write-offs at 10.4%.",[202,1383,1384,1387],{},[205,1385,1386],{},"Utes and light commercial vehicles"," are close behind at 23.5%, with finance at 13.8% but a lower write-off rate (6.4%).",[202,1389,1390,1393,1394,1397],{},[205,1391,1392],{},"Motorcycles"," show the lowest overall risk (15.7%) but the ",[205,1395,1396],{},"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.",[202,1399,1400,1403],{},[205,1401,1402],{},"Caravans and trailers"," are the cleanest on history (15.1%), though 8.7% still carry finance.",[18,1405,1407],{"id":1406},"one-in-fourteen-checked-vehicles-had-expired-registration","One in fourteen checked vehicles had expired registration",[11,1409,1410,1411,466],{},"Across the checks where a registration record was available, ",[205,1412,1413],{},"7.0% of vehicles had an expired registration at the time of the check",[11,1415,1416],{},"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.",[18,1418,1420],{"id":1419},"risk-levels-are-stable-but-finance-is-creeping-up","Risk levels are stable — but finance is creeping up",[11,1422,1423],{},"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:",[199,1425,1426,1429,1432],{},[202,1427,1428],{},"finance owing has moved from around 10.1% to 11.1%",[202,1430,1431],{},"written-off history has edged from 8.4% to 9.0%",[202,1433,1434],{},"odometer anomalies have fallen from 4.9% to 2.0%",[11,1436,1437],{},"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.",[18,1439,261],{"id":260},[263,1441,1442,1448,1464,1470,1476,1482],{},[202,1443,1444,1447],{},[205,1445,1446],{},"Run the PPSR check first."," Finance, written-off and stolen status in one search — before you inspect, not after you agree on a price.",[202,1449,1450,1453,1454,1458,1459,1463],{},[205,1451,1452],{},"Confirm the rego."," Check the plate matches the VIN and the seller's documents. In NSW you have ",[225,1455,1457],{"href":610,"rel":1456},[229],"14 days to transfer registration","; in Queensland the same ",[225,1460,1462],{"href":616,"rel":1461},[229],"14-day rule applies",". A seller who wants to skip the paperwork is a warning sign.",[202,1465,1466,1469],{},[205,1467,1468],{},"Match the odometer against records",", not just the dashboard.",[202,1471,1472,1475],{},[205,1473,1474],{},"Treat 8–14-year-old cars with extra care"," — that is where flags concentrate.",[202,1477,1478,1481],{},[205,1479,1480],{},"If finance shows up, get a payout letter"," and confirm the security interest is discharged before settlement.",[202,1483,1484,1487,1488,1491],{},[205,1485,1486],{},"Know your protections."," Used cars bought from a dealer come with guarantees under the ",[225,1489,387],{"href":385,"rel":1490},[229],", separate from any manufacturer warranty.",[18,1493,292],{"id":291},[11,1495,1496],{},"Sellers are checked too — and a clean report is a selling tool:",[199,1498,1499,1505,1511,1517],{},[202,1500,1501,1504],{},[205,1502,1503],{},"Clear finance before listing."," A payout letter plus a $2 PPSR search showing no security interest removes the biggest objection a buyer has.",[202,1506,1507,1510],{},[205,1508,1509],{},"Keep the service history together."," Every odometer anomaly flag started as a missing or inconsistent record.",[202,1512,1513,1516],{},[205,1514,1515],{},"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.",[202,1518,1519,1522],{},[205,1520,1521],{},"Offer the report to buyers."," A seller-provided PPSR search shortens negotiation and reduces dispute risk.",[18,1524,316],{"id":315},[199,1526,1527,1533,1539],{},[202,1528,1529,1532],{},[205,1530,1531],{},"Screen every trade-in and auction purchase"," — trucks and late-model EVs are the highest finance-risk categories in the data.",[202,1534,1535,1538],{},[205,1536,1537],{},"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.",[202,1540,1541,1544],{},[205,1542,1543],{},"Document each check"," in the vehicle file to support compliance and dispute resolution.",[18,1546,340],{"id":339},[11,1548,1549],{},"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.",[11,1551,1552],{},"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.",[18,1554,371],{"id":370},[199,1556,1557,1562,1568,1573,1578,1583,1588],{},[202,1558,1559,380],{},[225,1560,379],{"href":227,"rel":1561},[229],[202,1563,1564],{},[225,1565,1567],{"href":1355,"rel":1566},[229],"ABS — Motor Vehicle Census, Australia",[202,1569,1570],{},[225,1571,993],{"href":847,"rel":1572},[229],[202,1574,1575],{},[225,1576,686],{"href":610,"rel":1577},[229],[202,1579,1580],{},[225,1581,692],{"href":616,"rel":1582},[229],[202,1584,1585],{},[225,1586,394],{"href":392,"rel":1587},[229],[202,1589,1590],{},[225,1591,387],{"href":385,"rel":1592},[229],[396,1594,1595],{},[11,1596,1597,1599,1600,408],{},[205,1598,402],{}," 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 ",[225,1601,407],{"href":406},{"title":410,"searchDepth":411,"depth":411,"links":1603},[1604,1605,1606,1612,1613,1614,1615,1616,1617,1618,1619,1620,1621,1622],{"id":1066,"depth":411,"text":1067},{"id":1144,"depth":411,"text":1145},{"id":1168,"depth":411,"text":1169,"children":1607},[1608,1610,1611],{"id":1176,"depth":1609,"text":1177},3,{"id":1188,"depth":1609,"text":1189},{"id":1212,"depth":1609,"text":1213},{"id":1224,"depth":411,"text":1225},{"id":1248,"depth":411,"text":1249},{"id":1302,"depth":411,"text":1303},{"id":1361,"depth":411,"text":1362},{"id":1406,"depth":411,"text":1407},{"id":1419,"depth":411,"text":1420},{"id":260,"depth":411,"text":261},{"id":291,"depth":411,"text":292},{"id":315,"depth":411,"text":316},{"id":339,"depth":411,"text":340},{"id":370,"depth":411,"text":371},"/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.",[1626,1629,1632,1635],{"q":1627,"a":1628},"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":1630,"a":1631},"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":1633,"a":1634},"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":1636,"a":1637},"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":443},"/history-risk/aucn-data-nearly-1-in-4-used-cars-carry-a-hidden-risk-flag",8,{"title":1042,"description":1624},"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",1790756168842]