Some online lender just offered me a crazy high rate for an emergency repair loan and it feels super sketchy. How can I spot predatory loan scams and find legitimate alternatives?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Some online lender just offered me a crazy high rate for an emergency repair loan and it feels super sketchy. How can I spot predatory loan scams and find legitimate alternatives?
4 real searches · 1 real-search pass
CFPB payday loan alternatives credit union small dollar loans emergency expenses officialGoogle ↗
OBSERVEDComparison
California DFPI verify lender license consumer loan complaint officialGoogle ↗
OBSERVEDReason
211 Los Angeles emergency home repair assistance programs officialGoogle ↗
OBSERVEDYes / no
HUD FHA Title I property improvement loan official homeowner repairsGoogle ↗
OBSERVEDDefinition
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 (4)
Classes come from the query-classifier (a local Laya model). 4 of 4 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT4 real searches · gpt-6
CFPB payday loan alternatives credit union small dollar loans emergency expenses official Google ↗
California DFPI verify lender license consumer loan complaint official Google ↗
211 Los Angeles emergency home repair assistance programs official Google ↗
HUD FHA Title I property improvement loan official homeowner repairs Google ↗
- Payday Alternative Loans · mycreditunion.gov
- What To Know About Payday and Car Title Loans · consumer.ftc.gov
- Homeowners · housing.lacity.gov
- FTC ReportFraud · reportfraud.ftc.gov
Queries
4 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
CFPB payday loan alternatives credit union small dollar loans emergency expenses official OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
California DFPI verify lender license consumer loan complaint official OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
211 Los Angeles emergency home repair assistance programs official OBSERVED | Google ↗ AI Mode ↗ | — | Yes / no | — | — | 1x of 1 | |
HUD FHA Title I property improvement loan official homeowner repairs OBSERVED | Google ↗ AI Mode ↗ | — | Definition | — | — | 1x of 1 |