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Fulton Bank Auto Loan Calculator, Interest Rates & Overview

Updated 11 October 2023

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A quick review of Fulton Bank auto loans

Fulton Bank has been around since 1882 and operates in around 200+ locations. Currently, Fulton offers automobile financing options in Pennsylvania, New Jersey, Maryland, Delaware, and Virginia. Qualified applicants can lock in workable interest rates from 6.79% APR and loan terms ranging from 6 months to 6 years.

Want to see what a Fulton auto loan will cost? Try the Fulton Bank auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Fulton Bank auto loan features

Minimum loan amount: Undisclosed.
Maximum loan amount: Up to 100%.
Interest rates: From 6.79% APR.
Loan terms: 6 months to 6 years.
Loan fees: Undisclosed.
Discounts: Autopay rate discounts.

FULTON BANK LOAN OPTIONS

Automobile loans

Fulton Bank accepts up to 125% loan-to-value ratio (LTV) for new and pre-owned automobiles. Starting at 6.79% APR, you can buy or refinance new and used 2021 to 2024 vehicles. But if you’re looking for used 2020 or older models, rates are as low as 7.55% APR. Plus, you can secure loan terms ranging from 6 to 72 months.

Fulton Bank auto loan calculator

Loan amount

Term

Provider

Product Information

EST Monthly
Repayment

Interest
Rate

Repayment
Period

Loan
Amounts

Sort loans by

Loan Amount

$25,000

Term

60 months

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Achieva - New Auto Loan

Estimated Month Repayments

$437 Inclusive of fees

Interest Rate

1.89%
APR

Repayment Period

12 months
to 84 months

Loan Amounts

$5,000
to $100,000

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Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.

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Bank of America auto loan

Estimated Month Repayments

$595 Inclusive of fees

Interest Rate

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APR

Repayment Period

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to 72 months

Loan Amounts

$5,000
to $100,000

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Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a Fulton Bank auto loan

Eligibility criteria

18 years old or older
U.S. citizen or permanent resident
Minimum credit score of 620

Remember that banks commonly offer their best rates to borrowers with promising credit standing. Fulton requires a minimum score of 620, so try to improve your credit score before applying. This will boost your chances of loan approval.

What you’ll need to have ready

When you apply for auto financing with Fulton Bank, you’ll be asked to provide personal information such as:

An email address
Your full name
Address
Social Security number
Employment information
Income details
U.S. citizenship status
A list of monthly expenses

Documents

You may need to provide Fulton with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

Other than preparing the documents, it’s also important to know the steps in getting a car loan. This will help you navigate the loan application process. In turn, you can have a stress-free car-buying experience.

Apply online by clicking the GO TO SITE link in the table below
Visit a branch
Call 1-800-385-8664

Additional Fulton Financial Corporation auto loan details

Automatic payment: Available.

Loan approval times: Undisclosed, but it may take a business day to a few weeks based on your application.

Rate discounts: 0.25% APR off for setting up autopay from any Fulton Bank checking account.

Repayment frequency: Monthly.

Late payment fees: Undisclosed.
Prepayment penalty: Undisclosed.

Co-borrowers allowed: Yes.
Co-signers: Undisclosed.

Ways to repay: Online banking, mobile app, automatic payments, in a branch, and over the phone.

Hardship program: Undisclosed.

Vehicle restrictions and limitations

Maximum vehicle age: Undisclosed, but it’s commonly up to 10 years old.
Maximum vehicle mileage: Undisclosed.
Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

Borrow up to 100%.
Competitive rates.
Flexible repayment terms.
0.25% rate discount with autopay.
Borrowers with excellent credit scores may get lower APRs.
Purchase and refinance available.
Joint applications available.
Easy online application.
Convenient payment options – through online banking, mobile app, automatic payments, a branch, and the phone.

Cons

Undisclosed loan fees.
Limited vehicle loan options.
Unspecified vehicle restrictions.

FREQUENTLY ASKED QUESTIONS

Does Fulton Bank refinance vehicle loans?

Yes. You can refinance your existing auto loans to lower your rate or adjust your term.

Are Fulton Bank auto loan interest rates fixed or variable?

Fulton has fixed-rate vehicle loans.

How to apply for a Fulton Bank auto loan?

You can set an appointment, visit a branch, apply online, or reach out at 1-800-385-8664.

How do I qualify for a car loan at Fulton?

Fulton requires a minimum credit score of 620 to qualify for vehicle financing. Other than that, you usually need to be 18 years old or older, a U.S. citizen or permanent resident, and show a stable source of income.

What is the phone number for the Fulton Bank loan payment?

You can call the Direct Banking Center at 1-800-385-8664 to pay from a Fulton Bank deposit account. Alternatively, you can talk to a representative to make monthly payments from a non-Fulton account.

How long does it take to apply for a Fulton auto loan?

Whether it’s for a used or new car, online applications usually only take around 15 minutes.

What information do I need to provide when applying for a Fulton car loan?

You need to prepare your personal and contact details plus your Social Security number (SSN), monthly income, and employment information. Fulton will also ask about other factors, like the vehicle’s VIN, year, make, model, and mileage, too.

Video: Meet Fulton Bank

Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.