Do dealerships charge extra fees if I bring my own financing from a local credit union instead of using their lender
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Do dealerships charge extra fees if I bring my own financing from a local credit union instead of using their lender
2 real searches · 1 real-search pass
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
California car dealership charging fee for outside financing credit union dealer financing law fees consumer protection 2026 Google ↗
FTC car buying dealer financing outside lender add-on fees dealer documentation fee consumer advice Google ↗
- Car Buyer's Bill of Rights · oag.ca.gov
- 3.035 Dealer Responsibility for Fee Collection (VC § 11713.4) · dmv.ca.gov
- Financing or Leasing a Car · consumer.ftc.gov
- Automobile Industry Pricing Transparency: FAQs · search.ftc.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
California car dealership charging fee for outside financing credit union dealer financing law fees consumer protection 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
FTC car buying dealer financing outside lender add-on fees dealer documentation fee consumer advice OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |