NZ rules
What Is a PPSR Check and Why Does It Matter?
Updated 20 Oct 2026
A PPSR check searches New Zealand's Personal Property Securities Register to see whether a lender has a security interest in a car, which means there's money owing on it. If you buy a car with money owing in a private sale, the lender could repossess it from you, so always check first.
What the PPSR is
The Personal Property Securities Register is the official government register of security interests over personal property, including cars. When someone borrows money against a car, the lender usually registers it there.
How to do a PPSR check
- Search at ppsr.companiesoffice.govt.nz. You'll need to log in with RealMe.
- Search by the car's VIN (recommended) or number plate.
- Each motor vehicle search costs $2 + GST.
- Many vehicle history reports include a PPSR check as part of the report.
What to do if money is owing
- Private sale: don't hand over money until the seller has cleared the loan, or agree to pay the lender directly from the sale price. Otherwise the lender could repossess the car from you.
- Buying from a registered dealer: the dealer must tell you on the CIN card whether money is owing. If they don't disclose a registered security interest, you get the car free of that debt.
Common questions
Is a PPSR check the same as a WOF?
No. A PPSR check is about money owing. A WOF is a safety inspection. See WOF vs COF.
I'm selling a car with finance. What should I do?
This is general information, not legal or financial advice. Rules and fees change, so check the official sources linked above for your situation.