First Interstate Bank Auto Loan: Does It Give or Require a CARFAX?

First Interstate finances new and used cars but says nothing about history reports, rates or vehicle limits on its auto page. Here is what it posts, what changed, and what to check.

CheapCarfaxAutocheck Editorial Team

Vehicle History Research Team

First Interstate Bank will finance a new or used car, van or truck, but its auto loan page says nothing about CARFAX, AutoCheck or any vehicle history report, so it neither gives you one nor tells you it needs one. As of Oct 18, 2026, the page doesn't post a rate, a loan limit, or an age or mileage cutoff either. That leaves the car's past entirely on you, and a crash or branded title you miss still costs you through the price and the loan.

I read First Interstate's Auto and Recreation Loans page, its rates page and its company news on Sunday, October 18, 2026. I didn't apply or call a loan officer, so this is only what the bank publishes. It's thin. The auto page is basically a pitch, a note that loans are subject to approval, and a form asking a loan officer to call you.

Which First Interstate this is

First Interstate Bank is owned by First Interstate BancSystem, headquartered in Billings, Montana. Its investor overview lists ten states: Colorado, Idaho, Iowa, Montana, Nebraska, Missouri, Oregon, South Dakota, Washington and Wyoming. The bank used to have branches in Arizona and Kansas too. In 2025 the bank agreed to sell ten Arizona branches and two Kansas branches to Enterprise Bank & Trust, per Enterprise's announcement. Then some Nebraska branches went to Security First Bank. The bank's Nebraska transition notice says that deal closed April 10, 2026, and that loans tied to those branches moved with them. If your loan started at one of those branches, check who services it before you refinance.

One more housekeeping note. Pages load under both firstinterstate.bank and firstinterstatebank.com right now, and a news headline says a refreshed site is coming in October, so links may shuffle. If you were looking for Bank OZK instead, its personal lending page is about making loan payments, and I couldn't find a consumer auto loan product on its site.

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What the auto page says, as of Oct 18, 2026

It covers new or used cars, vans and trucks, plus RVs, campers and boats.
You can apply at a branch or through an online application, and loans are subject to approval.
No APR is posted. The rates page asks you to select your state before it shows anything.
No minimum or maximum loan amount, no term lengths, and no vehicle age or mileage rules are listed.
No mention of a history report, an inspection, a title check or a salvage-title policy.

Honestly, that's less than most banks we've covered. UMB, for comparison, at least posts a dated new-car rate and a payment example, as our UMB auto loan post shows. With First Interstate, you get the real numbers only after a loan officer calls.

Where a missed accident costs you

A loan is sized to the price you agree to, and the bank's collateral is the car. If you pay clean-car money for a car whose report would have shown a reported crash or a rebuilt brand, you're financing value that isn't there, and you pay interest on it for years. You usually find out at trade-in. Ask the loan officer two things before you shop: will they lend on a rebuilt or salvage-branded title at all, and do they cap vehicle age or miles. The page doesn't say, and those answers decide which cars are even on the table. If you're buying in Montana or Idaho, our Montana salvage and rebuilt title rules and Idaho salvage and rebuilt title rules explain the brands you might run into.

Dealer sales vs private sales

At a dealer, you may be handed a free report, and our piece on whether a dealer's free AutoCheck is enough covers when to pull your own. In a private sale nobody hands you anything, and a seller-made PDF is easy to fake. Our CARFAX for private party sales guide covers that case. For another western lender, see our Zions auto loan post.

Checks to run before you sign

Decode the VIN on NHTSA's vPIC decoder so the year and model on the loan paperwork match the car, search NMVTIS for title brands, and then pull a full history. We're a licensed CARFAX and AutoCheck reseller, not affiliated with CARFAX, AutoCheck, Experian or First Interstate. In mid October 2026 our prices are about $5.50 per report for guests, roughly $4.50 for members, and around $6.75 for a bundle with both brands, while retail sits near $39.99 to $44.99. Your actual total is whatever checkout shows.