How long does a PPSA registration in Ontario last before it needs to be renewed?

When a secured party registers a financing statement under Ontario's Personal Property Security Act, it generally chooses the length of the registration period at the time of filing, and the options typically range from a shorter fixed term up to a much longer or indefinite registration, depending on what the lender needs for that particular loan. The registration doesn't last forever automatically — it's tied to whatever period was selected, and the current available options and any associated fees should be confirmed directly with the registry at the time of filing.

If a registration is allowed to expire before the underlying loan is repaid, the secured party's perfection can lapse, potentially exposing it to being outranked by another creditor who registers, or leaving it unprotected if the corporation becomes insolvent in the meantime. Lenders typically track their registration expiry dates carefully and file a renewal (an amendment extending the registration) well before it lapses. If you're a lender or a corporation dealing with security interests, don't assume a registration is permanent — confirm the specific period chosen and calendar the renewal date.