We are trying to decide whether to refinance our current auto loan through our credit union or use an online broker like refinance to lower our monthly family car payment
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
We are trying to decide whether to refinance our current auto loan through our credit union or use an online broker like refinance to lower our monthly family car payment
1 real search · 1 real-search pass
2026 auto loan refinancing credit union vs online marketplace broker fees APR hard credit inquiry consumer adviceGoogle ↗
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 (1)
Classes come from the query-classifier (a local Laya model).
Searches and sources
ChatGPT1 real searches · gpt-6
2026 auto loan refinancing credit union vs online marketplace broker fees APR hard credit inquiry consumer advice Google ↗
- How will shopping for an auto loan affect my credit? · consumerfinance.gov
- When will my lender run or obtain a copy of my credit report? · consumerfinance.gov
- Best Auto Refinance Loans and Rates of 2026 · nerdwallet.com
- Where to Shop for a Car Loan · consumerreports.org