As the welding spot forms a singular geometry of an external crack type, fatigue failure of spot-welded specimens can be evaluated by means of a fracture parameter. Recasting the load vs. fatigue life relationships experimentally obtained, we predicted the fatigue life of spot-weld specimens with a single parameter denoted the equivalent stress intensity factor. This crack driving parameter is demonstrated to successfully describe the effects of specimen geometry and loading type in a comprehensive manner. The suggested fatigue life formula for a single spot weld can play a key role in the design and assessment of spot-welded panel structures, in that the fatigue strength of multi-spots is eventually determined by the fatigue strength of each single spot. We therefore attempt to evaluate the effectiveness and validity of $K_e$ in predicting the fatigue life of auto seat belt anchor panel. We first establish finite element models reflecting the actual mechanical behavior of 3 types of seat belt anchor specimens. Using finite element models elaborately established, we then obtain the effective crack driving parameter $K_e$ composed of its ductility -dependent modal components. It is confirmed that the $K_e$ concept successfully predicts the fatigue life of multi-spot welded panel structures represented by auto seat belt anchors here