What is the average dealership financing markup on interest rates and how can I negotiate a lower APR before I sign the finance contract today
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What is the average dealership financing markup on interest rates and how can I negotiate a lower APR before I sign the finance contract today
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.
Classifying 2 queries…
Searches and sources
ChatGPT2 real searches · gpt-6
2026 auto dealer financing interest rate markup dealer reserve typical 1 2 percentage points CFPB FTC consumer advice Google ↗
CFPB auto loan dealer markup negotiate APR buy rate financing contract consumer advice Google ↗
- Do Car Dealers Make Money on Financing? · nerdwallet.com
- Evidence of Racial Discrimination in the $1.4 Trillion Auto Loan Market · chicagofed.org
- Can I negotiate a car loan interest rate with the dealer? · consumerfinance.gov
- What things can I negotiate when shopping for a car or auto loan? · consumerfinance.gov
- What is a Truth-in-Lending disclosure for an auto loan? · consumerfinance.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 auto dealer financing interest rate markup dealer reserve typical 1 2 percentage points CFPB FTC consumer advice OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
CFPB auto loan dealer markup negotiate APR buy rate financing contract consumer advice OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |