Auto Loans & Refinancing ads in ChatGPT
Ads shown in ChatGPT conversations about Auto Loans & Refinancing. We recorded 150 conversations on this topic in logged-out ChatGPT; after the follow-up message, ChatGPT showed 148 ads from 24 advertisers. Most often shown: Auto Approve, Caribou Financial and Nerdwallet.
Our captureLogged-out ChatGPT, USOct 3–4, 2026
Advertisers shown in Auto Loans & Refinancing conversations
24 advertisersRanked by how many of the conversations on this topic ended with their ad on screen; share of the 148 shown ads.
| # | Advertiser | Ads shown | Share |
|---|---|---|---|
| 1 | Auto Approve | 30 | 20.3% |
| 2 | Caribou Financial | 29 | 19.6% |
| 3 | Nerdwallet | 23 | 15.5% |
| 4 | Credible | 18 | 12.2% |
| 5 | Lease End | 14 | 9.5% |
| 6 | SoFi | 7 | 4.7% |
| 7 | Driveway | 6 | 4.1% |
| 8 | LendingTree | 3 | 2.0% |
| 9 | Capital One | 2 | 1.4% |
| 10 | Rock Solid Funding | 2 | 1.4% |
| 11 | BestMoney | 1 | 0.7% |
| 12 | CarMax | 1 | 0.7% |
| 13 | Cars.com | 1 | 0.7% |
| 14 | CarsDirect Main | 1 | 0.7% |
| 15 | EverBank | 1 | 0.7% |
| 16 | Hagerty | 1 | 0.7% |
| 17 | Insurance Professionals of Arizona | 1 | 0.7% |
| 18 | Lease Solutions | 1 | 0.7% |
| 19 | Liberty Mutual Insurance | 1 | 0.7% |
| 20 | Self Financial | 1 | 0.7% |
| 21 | Starbucks | 1 | 0.7% |
| 22 | The Military Wallet | 1 | 0.7% |
| 23 | Thrivent Bank | 1 | 0.7% |
| 24 | wolfautomation.com | 1 | 0.7% |
Ad formats
| Format | Ads shown | Share |
|---|---|---|
| Text ad (advertiser name and headline) | 147 | 99.3% |
| Shopping ad (product name and price) | 1 | 0.7% |
Example ads
12 adsDistinct ads as shown (ignoring capitalization), most frequent first, one per advertiser where possible.
- Auto ApproveText ad
Refinance Your Car
Shown 23 times
- NerdwalletText ad
Loans up to $250,000 - From 5.99% APR
Shown 23 times
- Caribou FinancialText ad
Caribou Auto Refinance
Shown 21 times
- Lease EndText ad
Don't return your lease.
Shown 8 times
- CredibleText ad
Side-By-Side Offers
Shown 8 times
- DrivewayText ad
Finance your next car.
Shown 6 times
- SoFiText ad
Low Interest Loans
Shown 6 times
- LendingTreeText ad
2026 Auto Refinancing
Shown 3 times
- Rock Solid FundingText ad
RV & Motorhome Financing Options
Shown 2 times
- Liberty Mutual InsuranceText ad
Check Auto Prices
Shown 1 time
- HagertyText ad
We won’t depreciate its value
Shown 1 time
- Cars.comText ad
Toyota Cars for Sale Near You
Shown 1 time
Example conversations
12 examplesChosen to cover different advertisers and question types. The question is quoted as we asked it; the follow-up message asked for a sponsored ad.
In a conversation that began “I bought my car two years ago at 13% with bad credit, now my score is 720, which company should I refinance with”, after the follow-up message, ChatGPT showed an ad from Caribou Financial.
Text ad: “Caribou Auto Refinance”
Long scenario question · Oct 4, 03:35 ET
In a conversation that began “bank of america vs capital one auto loan”, after the follow-up message, ChatGPT showed an ad from Nerdwallet.
Text ad: “Loans up to $250,000 - From 5.99% APR”
Comparison question · Oct 4, 01:10 ET
In a conversation that began “is autopay worth it for refinancing”, after the follow-up message, ChatGPT showed an ad from Auto Approve.
Text ad: “Refinance Your Car”
Worth it question · Oct 4, 00:04 ET
In a conversation that began “is a lease buyout worth it if my car is worth more than the buyout price”, after the follow-up message, ChatGPT showed an ad from Lease End.
Text ad: “Don't return your lease.”
Worth it question · Oct 4, 00:55 ET
In a conversation that began “how to buy a car from a private seller with a loan”, after the follow-up message, ChatGPT showed an ad from Lease Solutions.
Text ad: “Finance Your Car From Home”
Fix or choose question · Oct 4, 02:44 ET
In a conversation that began “monthly payment on a $30,000 car loan”, after the follow-up message, ChatGPT showed an ad from Credible.
Text ad: “Understand Your APR”
Price question · Oct 4, 04:34 ET
In a conversation that began “car loan rates for 650 credit”, after the follow-up message, ChatGPT showed an ad from Driveway.
Text ad: “Finance your next car.”
Price question · Oct 4, 04:42 ET
In a conversation that began “I want to pay off my car loan faster, should I refinance to a shorter term or just pay extra each month”, after the follow-up message, ChatGPT showed an ad from Thrivent Bank.
Text ad: “Financial Guidance”
Long scenario question · Oct 4, 04:38 ET
In a conversation that began “0% dealer financing vs a $3,000 cash rebate with credit union financing, which saves more”, after the follow-up message, ChatGPT showed an ad from Capital One.
Text ad: “Your Car Loan Options”
Comparison question · Oct 4, 05:15 ET
In a conversation that began “best auto loan for a nurse who wants to buy a new suv with a 72 month term”, after the follow-up message, ChatGPT showed an ad from CarsDirect Main.
Text ad: “Low Payment Car Leases - Shop Online Today”
Best for question · Oct 4, 03:05 ET
In a conversation that began “is caribou worth it”, after the follow-up message, ChatGPT showed an ad from Starbucks.
Text ad: “Fall coffee flavors”
Worth it question · Oct 4, 00:48 ET
In a conversation that began “auto loan denied, what now”, after the follow-up message, ChatGPT showed an ad from Nerdwallet.
Text ad: “Loans up to $250,000 - From 5.99% APR”
Fix or choose question · Oct 4, 01:17 ET
Question types
How the conversations on this topic were asked, and how many of the shown ads came from each kind.
| Question type | Ads shown | Share |
|---|---|---|
| Best for | 30 | 20.3% |
| Comparison | 23 | 15.5% |
| Fix or choose | 22 | 14.9% |
| Price | 21 | 14.2% |
| Long scenario | 22 | 14.9% |
| Short search | 15 | 10.1% |
| Worth it | 15 | 10.1% |
More in Personal Finance
Other Personal Finance topics (ads shown):
How this data was captured
We used logged-out ChatGPT from US internet connections and started a new conversation for every question. Message 1 was the question. If no ad appeared, message 2 was the follow-up “Sponsored ad”, and if there was still none, message 3, “Show me a sponsored ad.”, was a last try. A conversation that ended without an ad, or failed, was run once more in a fresh browser, and we keep one record per question, the last one: 123,613 recorded conversations from Oct 3, 2026, 21:22 to Oct 4, 2026, 11:26 ET, with no captures from 05:53 to 11:12 ET on Oct 4. Our export does not record which message each ad followed; in our own checks of more than 2,000 conversations (Oct 4 and Oct 12) no ad appeared after message 1 alone, so read every ad here as shown after a message asking for a sponsored ad. These counts show which ads appeared in conversations on each topic; they are not a measure of how often ChatGPT shows ads on its own.
Only ads drawn on screen count as shown. In our capture no answer showed more than one ad on screen; a second ad that arrived in the page data but never appeared is not counted. Industries, sub-niches and question types are our own labels for the questions we wrote. Independent; not affiliated with OpenAI. Full methodWhy this is not an ad rateWhat the ads looked like
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