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In QC, what should I know about lien checks (PPSA) for car loans?
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Car Loan Glossary • province

In QC, what should I know about lien checks (PPSA) for car loans?

In Quebec, when considering a car loan or purchasing a vehicle, it is crucial to conduct a thorough lien check through the Registre des droits personnels et réels mobiliers (RDPRM), which is Quebec's specific registry for personal and movable real rights, serving a similar function to PPSA registries in other Canadian provinces. This online registry allows you to search for registered security interests, often referred to as liens, against a specific vehicle using its Vehicle Identification Number (VIN). Failure to perform this check means you could unknowingly purchase a vehicle with an outstanding loan or other financial encumbrance. If a lien exists, the original lender retains a legal right to repossess the vehicle, even if you have fully paid the seller, leaving you without the car and potentially out of pocket. In the current Canadian market, extending into 2025, vigilance is paramount, particularly with private sales, as economic fluctuations can increase the risk of sellers attempting to offload encumbered assets. Always obtain a clear RDPRM certificate before finalizing any vehicle purchase to protect your investment and ensure you acquire clear title.

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