In Australia, the no-nonsense way: run a PPSR check using the car’s VIN; it tells you if there’s an encumbrance, plus write‑off and stolen status.
Ask the seller for a current finance payout letter from their lender and ensure the name matches their ID and the rego papers. If finance exists, pay the lender directly at settlement (or have the seller clear it while you watch) and get written confirmation.
Make sure the VIN on the car matches the one on the PPSR certificate and all paperwork—every digit matters. If anything doesn’t line up, keep your cash and your dignity.
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