Real ChatGPT answer · index seedkzJx20uhcFYcompleteFinance and banking · personal loansinformational
Why do some lenders advertise very low personal loan starting rates that I clearly do not qualify for with a good credit score?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Why do some lenders advertise very low personal loan starting rates that I clearly do not qualify for with a good credit score?
1 real search · 1 real-search pass
personal loan advertised starting APR lowest rate qualification factors typical APR lender disclosures CFPBGoogle ↗
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). 1 of 1 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT1 real searches · gpt-6
personal loan advertised starting APR lowest rate qualification factors typical APR lender disclosures CFPB Google ↗
- § 1026.24 Advertising. · consumerfinance.gov