Regions Bank Auto Loan CARFAX Policy: Is a Report Included?

Regions Bank does not give you a free CARFAX or AutoCheck with a car loan, and nothing I could read from Regions on October 17, 2026 says it requires one. What Regions does do is tell you to get one yourself. Its own used-car advice names Carfax and AutoCheck and says a history report lets you see a car's accident history and confirm its mileage. Regions also left dealer-arranged (indirect) auto lending in 2019, so if you borrow from Regions, you are applying directly, and the vehicle checks are your job.

I spent Saturday afternoon, Pacific time, reading Regions' car-buying articles, news coverage of its 2019 exit from dealer lending and a federal enforcement record. One honest limit up front: Regions' auto loan product page sits behind a bot check that blocked every automated read I tried, so I am not quoting any rate, term or vehicle age limit here. Check those on the Regions site yourself or with a banker before you shop.

Regions tells you to buy the report

The clearest statement comes from a Regions article called "Five red flags to avoid when buying a used car." Under "a complicated history," it says the title shows whether a car was salvaged after a severe accident or weather damage, that titles can be forged, and that you should verify the title with your state DMV before you finish the deal, especially if the car was recently titled in your state or the VIN looks tampered with. It points to the Justice Department's title database for a fee, mentions the National Insurance Crime Bureau's free database, and then says a vehicle history report, which you can request from Carfax or AutoCheck, "allows you to view a car's accident history and confirm its reported mileage." It also warns you to be wary of any seller who will not share the VIN before you buy.

Nowhere in that article, or in the other Regions car pieces I read, does the bank offer to pull the report for you. That fits how most lenders work. A bank usually cares about the car's value and the title it can put a lien on, not whether the car was rear-ended twice.

Regions stopped dealer financing in 2019

This is the part that trips people up at the dealership. American Banker reported on March 4, 2019 that Regions had decided in January 2019 to exit indirect auto lending, told its dealers that month, would stop new loans in the first quarter and finish in-progress ones in the second. Its head of consumer banking told investors the bank was not making money in that business. The same story notes Regions had left indirect lending once before, in 2008, then came back in 2010. Regions' quarterly SEC filing for mid-2019 confirms it stopped originating new indirect loans in the first quarter of 2019 and stayed in direct auto lending.

So if a finance office tells you in October 2026 that it is sending your deal to Regions, ask them to show you the lender name on the contract. It may be a different bank entirely.

Borrowing from Regions directly

Regions' article on getting the best deal tells you to get pre-approved shortly before you buy, so multiple credit inquiries do the least damage, and notes that pre-approval does not lock you in. In 2019 Regions also announced a co-branded Carvana site where you could pick a car and get a Regions Auto Loan decision. When I tried the carvana.com/regions address on October 17, 2026 it returned a 404, so do not count on that path still working.

One piece of dated regulatory history, for context. On September 28, 2022, the CFPB issued an order against Regions over surprise overdraft fees on deposit accounts, and Regions paid a $50 million civil penalty plus customer redress. The CFPB terminated that order on July 21, 2025. It had nothing to do with car loans, but it is a reason to read your own account statements carefully before using a Regions checking account for a large down payment.

How Regions compares with other banks we checked

Our TD Bank auto loan CARFAX policy post covers the opposite setup, a bank that lends only through dealers. The Fifth Third auto loan CARFAX policy post covers another bank that mostly works through dealerships. The closest match to Regions is the Truist auto loan CARFAX policy write-up, since Truist also tells you to check the car's history yourself. None of the three bundles a free report.

Getting the report yourself

If you buy from a dealer with Regions money in hand, you will often be handed the dealer's free report. Read our take on whether a dealership's free AutoCheck is enough first, because the seller picked it. Buying from a private seller? Our CARFAX for private party sales guide covers when to run what. Search NMVTIS for title brands too, and never accept a PDF report the seller emails you. Faking one takes minutes.

CarVins is a licensed reseller of CARFAX and AutoCheck reports and is not affiliated with CARFAX, AutoCheck, Experian or Regions Bank. In mid October 2026 a single report here is about $5.50 for guests or $4.50 for members, a two-brand bundle is around $6.75, and going direct tends to cost $39.99 to $44.99. Confirm at checkout, since prices change.

Sources

• Regions: Five red flags to avoid when buying a used car
• Regions: Four ways to get the best deal when buying a car
• American Banker: Regions bailing on indirect auto lending (Mar. 4, 2019); Regions Financial Form 10-Q for the quarter ended June 30, 2019 (SEC EDGAR)
• CFPB: Regions Bank enforcement action
• NMVTIS