Real ChatGPT answer · index seedpxxgONF1eO4completeAutomotive · car buying processlocal

What is the current average APR for a 48 month used car loan at Bank of America if I put 20 percent down on a 20000 dollar vehicle?

ChatGPTgpt-62 queries11/1/2026
Download run

Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
What is the current average APR for a 48 month used car loan at Bank of America if I put 20 percent down on a 20000 dollar vehicle?
2 real searches · 1 real-search pass
Bank of America used car auto loan APR rates 48 months current 2026 official ratesGoogle ↗
OBSERVEDConsequence
average used car loan APR 48 month November 2026 credit score ratesGoogle ↗
OBSERVEDShort fact

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)
Short fact50%Other / navigationalComparisonConsequence50%ReasonDefinitionInstructionYes / no

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
Bank of America used car auto loan APR rates 48 months current 2026 official rates Google ↗
average used car loan APR 48 month November 2026 credit score rates Google ↗

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
Bank of America used car auto loan APR rates 48 months current 2026 official rates
OBSERVED
Google ↗
AI Mode ↗
—Consequence——1x
of 1
average used car loan APR 48 month November 2026 credit score rates
OBSERVED
Google ↗
AI Mode ↗
—Short fact——1x
of 1