Real ChatGPT answer · index seedMQybBXgSDEscompleteAutomotive · auto financing and leasingcomparison
As a first-time car buyer with a limited credit history, are credit union auto loans actually cheaper than dealer financing when you factor in all the hidden fees?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
As a first-time car buyer with a limited credit history, are credit union auto loans actually cheaper than dealer financing when you factor in all the hidden fees?
3 real searches · 1 real-search pass
CFPB auto loans dealer financing interest rate markup add-on products fees auto loan shoppingGoogle ↗
OBSERVEDComparison
FTC car buying dealer add-ons documentation fees auto financing loan disclosuresGoogle ↗
OBSERVEDReason
Arkansas motor vehicle dealer documentation fee law auto purchase feesGoogle ↗
OBSERVEDReason
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 (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
CFPB auto loans dealer financing interest rate markup add-on products fees auto loan shopping Google ↗
FTC car buying dealer add-ons documentation fees auto financing loan disclosures Google ↗
Arkansas motor vehicle dealer documentation fee law auto purchase fees Google ↗
- What is a buy rate for an auto loan? · consumerfinance.gov
- What is a Finance and Insurance (F&I) department? · consumerfinance.gov
- What things can I negotiate when shopping for a car or auto loan? · consumerfinance.gov
- AnnualCreditReport.com · annualcreditreport.com
- Car Buying Tips · arkansasag.gov
- What is a Truth-in-Lending disclosure for an auto loan? · consumerfinance.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
CFPB auto loans dealer financing interest rate markup add-on products fees auto loan shopping OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
FTC car buying dealer add-ons documentation fees auto financing loan disclosures OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Arkansas motor vehicle dealer documentation fee law auto purchase fees OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |