Real ChatGPT answer · index seedtrTbQoDafL0completeFinance and banking · personal loansbrand

Why are my Prosper marketplace lending rates higher than the advertised starting APR even with a steady entry level job

ChatGPTgpt-62 queries10/31/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
Why are my Prosper marketplace lending rates higher than the advertised starting APR even with a steady entry level job
2 real searches · 1 real-search pass
Prosper personal loans how APR determined advertised rates credit score debt to income officialGoogle ↗
OBSERVED
Prosper borrower loan rates APR factors origination fee credit report officialGoogle ↗
OBSERVED

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
Prosper personal loans how APR determined advertised rates credit score debt to income official Google ↗
Prosper borrower loan rates APR factors origination fee credit report official Google ↗

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
Prosper personal loans how APR determined advertised rates credit score debt to income official
OBSERVED
Google ↗
AI Mode ↗
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of 1
Prosper borrower loan rates APR factors origination fee credit report official
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1