Fulton Bank Auto Loan: Does It Include or Require a CARFAX?

Fulton posts real APR ranges by vehicle age but says nothing about history reports. Here is what its auto loan disclosure says as of Oct 18, 2026, and why the accident check stays your job.

CheapCarfaxAutocheck Editorial Team

Vehicle History Research Team

Fulton Bank doesn't give you a free CARFAX or AutoCheck with its auto loan, and its auto loan page and rate disclosure say nothing about requiring one. What Fulton does publish is unusually specific: direct new, used and refinance loans for borrowers in Pennsylvania, New Jersey, Maryland, Virginia and Delaware, APR ranges by vehicle age, up to 125% loan-to-value, and a 620 minimum credit score. That makes it easy to compare rates and still leaves the car's accident history entirely on you.

I read Fulton's Auto Loan page and the disclosure printed underneath it on Sunday, October 18, 2026, and searched the page for CARFAX, AutoCheck and "history report." None of those words appear. I didn't apply or call a branch, so anything a loan officer might tell you about inspections isn't in this post.

What Fulton's rate disclosure says, as of Oct 18, 2026

The loan is a fixed-rate, closed-end loan secured by the car, for $2,500 or more, with terms from 6 months up to 6 years for newer cars. For used cars Fulton caps the loan at 125% of NADA trade-in value. The posted APRs assume automatic payment from a Fulton account, and Fulton says your APR rises 0.25% if you stop autopay.

New and used cars 1-3 years old: 7.34% to 13.59% APR, terms up to 6 years.
Used cars 4-6 years old: 8.05% to 14.01% APR, terms up to 5 years.
Used cars 7-10 years old: 9.18% to 14.68% APR, up to 5 years, with a 4-year maximum for a 9-year-old car.

Those ranges are a snapshot from Oct 18, 2026, and Fulton says rates can change or be withdrawn without notice. The page doesn't list a mileage cap, and I didn't see any tier past 10 years old, so if you're shopping something older, ask before you assume it qualifies.

Fulton's own examples show how fast age adds up. It quotes about $20.01 a month per $1,000 at 7.44% APR over 5 years for a newer car, and about $32.07 per $1,000 at 9.58% APR over 3 years for a 2018 model, the shorter term doing most of that damage. The disclosure also says a minimum credit score of 620 is required, and the page says you can apply online in minutes. So you can get a rate before you visit a lot, which beats letting a dealer pick the lender for you.

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Why 125% of trade-in value is a trap on a damaged car

A loan sized off book value assumes a car with an average past. If the car you're buying had frame damage or a deployed air bag, its real trade-in value is well below the guide number, but the loan can still be written as if it were clean. Borrow up to 125% of that on a car that's been in a reported accident and you can be upside down from the first payment. That's the reason I'd pull the history before you settle the loan amount, not after. Our post on whether a dealer's free AutoCheck is enough covers when the dealer copy will do, and if a title brand shows up, our Pennsylvania salvage and rebuilt title rules and Maryland salvage and rebuilt title rules explain what the brand means in two of Fulton's states. Fulton's page doesn't say whether it lends on branded titles at all, so ask that up front.

How Fulton compares with nearby banks

Most regional banks we've checked post far less than this. Valley Bank doesn't post rates and does most of its car lending through dealers, per our Valley Bank auto loan post. TD Bank makes no direct auto loans in the U.S., as our TD Bank auto loan post explains, and M&T lends both directly and through dealers, covered in our M&T auto loan post. Fulton's published age tiers make it easy to see how much more an older car will cost you to finance. None of these banks hands you a report.

Before you sign with Fulton or anyone

Decode the VIN on NHTSA's vPIC decoder so the year matches the contract, because the year sets your rate tier. Search NMVTIS for title brands, and read CARFAX's report page for what its data covers. A printout from a private seller can be edited, so pull your own. We're a licensed CARFAX and AutoCheck reseller and have no tie to CARFAX, AutoCheck, Experian or Fulton. For mid October 2026, figure about $5.50 per guest report, around $4.50 for members and near $6.75 for a two-brand bundle, while retail runs about $39.99 to $44.99. Look at the checkout total before you pay, since that's the binding price.