What factors cause Prosper to quote a much higher interest rate than my initial pre-qualification estimate, and how do I troubleshoot it?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What factors cause Prosper to quote a much higher interest rate than my initial pre-qualification estimate, and how do I troubleshoot it?
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
Prosper personal loan prequalification estimated APR final offer rate factors underwriting risk grade fees official Google ↗
Prosper personal loan rates how APR determined credit score debt to income official help Google ↗
- What are loan interest rates? · help.prosper.com
- Borrower APR · prosper.com
- Do I have to pay anything out of pocket to obtain a loan? · help.prosper.com
- AnnualCreditReport.com · annualcreditreport.com
- Personal Loans · prosper.com
- Personal Loans - Apply online for a low rate loan through Prosper · prosper.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Prosper personal loan prequalification estimated APR final offer rate factors underwriting risk grade fees official OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
Prosper personal loan rates how APR determined credit score debt to income official help OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |