Why are interest rates on outside bank loans so much higher than promotional dealer financing right now, and should I still use my bank?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Why are interest rates on outside bank loans so much higher than promotional dealer financing right now, and should I still use my bank?
2 real searches · 1 real-search pass
United States auto loan interest rates October 2026 average new car loan rates bank credit union dealer promotional financing manufacturer incentivesGoogle ↗
OBSERVEDComparison
Federal Reserve auto loan rates consumer credit 2026 bank financing auto loans promotional APR manufacturer subsidized financingGoogle ↗
OBSERVEDComparison
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
United States auto loan interest rates October 2026 average new car loan rates bank credit union dealer promotional financing manufacturer incentives Google ↗
Federal Reserve auto loan rates consumer credit 2026 bank financing auto loans promotional APR manufacturer subsidized financing Google ↗
- Auto Loan Rates & Financing in 2026 · bankrate.com
- Auto Loan Rates from Bank of America · bankofamerica.com
- Best 0% APR Car Deals · carsdirect.com
- What are the different ways to buy or finance a car or vehicle? · consumerfinance.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
United States auto loan interest rates October 2026 average new car loan rates bank credit union dealer promotional financing manufacturer incentives OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
Federal Reserve auto loan rates consumer credit 2026 bank financing auto loans promotional APR manufacturer subsidized financing OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |