{"citations":{"source_mix":{"company_owned":87,"independent":112,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":142,"partial":56},"total_sources":199,"unique_domain_count":66},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-08","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Personal Loans With Soft-Pull Prequalification","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-08","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Soft-Pull Personal Loan Prequalification","subject":"SoFi","unit":"rank","value":1},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-08","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"SoFi","unit":"platforms","value":7},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-08","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Soft-Pull Personal Loan Prequalification","subject":"Upstart","unit":"rank","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-08","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Upstart","unit":"platforms","value":7},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-08","platform_support":["deepseek","google","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Soft-Pull Personal Loan Prequalification","subject":"Discover","unit":"rank","value":3},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-08","platform_support":["deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Discover","unit":"platforms","value":6},{"claim_id":"claim-008","confidence":"verified","observed_at":"2026-09-08","platform_support":["anthropic","deepseek","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Soft-Pull Personal Loan Prequalification","subject":"LendingClub","unit":"rank","value":4},{"claim_id":"claim-009","confidence":"verified","observed_at":"2026-09-08","platform_support":["anthropic","deepseek","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"LendingClub","unit":"platforms","value":5},{"claim_id":"claim-010","confidence":"verified","observed_at":"2026-09-08","platform_support":["grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Soft-Pull Personal Loan Prequalification","subject":"Upgrade","unit":"rank","value":5},{"claim_id":"claim-011","confidence":"verified","observed_at":"2026-09-08","platform_support":["grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Upgrade","unit":"platforms","value":4},{"claim_id":"claim-012","confidence":"verified","observed_at":"2026-09-08","platform_support":["anthropic","grok","kimi","openai"],"predicate":"final_consensus_rank","qualifier":"Soft-Pull Personal Loan Prequalification","subject":"Prosper","unit":"rank","value":6},{"claim_id":"claim-013","confidence":"verified","observed_at":"2026-09-08","platform_support":["anthropic","grok","kimi","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Prosper","unit":"platforms","value":4},{"claim_id":"claim-014","confidence":"verified","observed_at":"2026-09-08","platform_support":["anthropic","deepseek","grok","openai"],"predicate":"final_consensus_rank","qualifier":"Soft-Pull Personal Loan Prequalification","subject":"Best Egg","unit":"rank","value":7},{"claim_id":"claim-015","confidence":"verified","observed_at":"2026-09-08","platform_support":["anthropic","deepseek","grok","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Best Egg","unit":"platforms","value":4},{"claim_id":"claim-016","confidence":"verified","observed_at":"2026-09-08","platform_support":["deepseek","grok","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Soft-Pull Personal Loan Prequalification","subject":"Avant","unit":"rank","value":8},{"claim_id":"claim-017","confidence":"verified","observed_at":"2026-09-08","platform_support":["deepseek","grok","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Avant","unit":"platforms","value":4},{"claim_id":"claim-018","confidence":"verified","observed_at":"2026-09-08","platform_support":["anthropic","deepseek","perplexity"],"predicate":"final_consensus_rank","qualifier":"Soft-Pull Personal Loan Prequalification","subject":"Marcus by Goldman Sachs","unit":"rank","value":9},{"claim_id":"claim-019","confidence":"verified","observed_at":"2026-09-08","platform_support":["anthropic","deepseek","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Marcus by Goldman Sachs","unit":"platforms","value":3},{"claim_id":"claim-020","confidence":"verified","observed_at":"2026-09-08","platform_support":["grok","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Soft-Pull Personal Loan Prequalification","subject":"Credible","unit":"rank","value":10},{"claim_id":"claim-021","confidence":"verified","observed_at":"2026-09-08","platform_support":["grok","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Credible","unit":"platforms","value":3}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2.142857142857143,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":1,"name":"SoFi","platform_mentions":7,"platform_share":1},{"average_rank":4.714285714285714,"best_rank":1,"entity_id":"entity-002","entity_type":"company","final_rank":2,"name":"Upstart","platform_mentions":7,"platform_share":1},{"average_rank":3.6666666666666665,"best_rank":1,"entity_id":"entity-003","entity_type":"company","final_rank":3,"name":"Discover","platform_mentions":6,"platform_share":0.8571428571428571},{"average_rank":4.2,"best_rank":1,"entity_id":"entity-004","entity_type":"company","final_rank":4,"name":"LendingClub","platform_mentions":5,"platform_share":0.7142857142857143},{"average_rank":3,"best_rank":1,"entity_id":"entity-005","entity_type":"company","final_rank":5,"name":"Upgrade","platform_mentions":4,"platform_share":0.5714285714285714},{"average_rank":5.25,"best_rank":3,"entity_id":"entity-006","entity_type":"company","final_rank":6,"name":"Prosper","platform_mentions":4,"platform_share":0.5714285714285714},{"average_rank":5.5,"best_rank":4,"entity_id":"entity-007","entity_type":"company","final_rank":7,"name":"Best Egg","platform_mentions":4,"platform_share":0.5714285714285714},{"average_rank":8,"best_rank":7,"entity_id":"entity-008","entity_type":"company","final_rank":8,"name":"Avant","platform_mentions":4,"platform_share":0.5714285714285714},{"average_rank":5.333333333333333,"best_rank":3,"entity_id":"entity-009","entity_type":"company","final_rank":9,"name":"Marcus by Goldman Sachs","platform_mentions":3,"platform_share":0.42857142857142855},{"average_rank":6,"best_rank":1,"entity_id":"entity-010","entity_type":"company","final_rank":10,"name":"Credible","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://creditconsensusindex.com/datasets/personal-debt-consolidation-loans/soft-pull-personal-loan-prequalification.json","page_url":"https://creditconsensusindex.com/personal-debt-consolidation-loans/soft-pull-personal-loan-prequalification","report_type":"best_of_index","study_id":"CCI-STUDY-3520FEB0A735","title":"Best Personal Loans With Soft-Pull Prequalification"},"limitations":["Exactly 7 platforms were included in this run: openai, anthropic, deepseek, grok, perplexity, kimi, google. The configured source value 7 is provenance only and must never be described as the number of platforms studied.","The finalrankingtable is the sole authority for rank, platform mentions, platform share, average rank, and best rank. Ignore any conflicting value embedded in a completed review.","The Consensus Ranking table must contain exactly one row per finalrankingtable entity, in that order, using that exact entityname. Never split one ranked entity into two product, model, SKU, or product-line rows, and never add another ranking row for a brand already listed. Put recommended products or plans inside that entity's ranked section.","Platform mentions count only ranking-discovery mentions. Do not substitute the number of platforms that later completed a fit assessment.","Citation IDs inside each fit review are local to that entity. Consolidate sources by URL using the supplied source catalog.","The URLs were collected from platform responses and were not independently validated by either writer stage.","Each fitreviewurlorplaceholder is the final site-relative CMS path for that entity's review. Link the entity name to that exact path exactly once in its ranked prose section, outside tables and headings. Never replace it with a run ID, report ID, UUID, or local output path."],"methodology":{"fit_rating_contract":["strong","good","mixed","weak","uncertain"],"included_valid_platform_count":7,"maximum_finalists":10,"minimum_mentions":2,"name":"Credit Consensus Index cross-platform AI consensus analysis","platforms_included":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"platforms_queried":["openai","anthropic","deepseek","grok","perplexity","kimi","google"],"stages":["ranking_discovery","fit_assessment","normalization","editorial_synthesis"],"version":"alias-table-1"},"provenance":{"generated_at":"2026-09-08 17:27:05.402984+00","research_date":"2026-09-08","source_snapshot_sha256":"e9e33b0d7252bd40da3931070370d6c561b482683e38bc4c350d41aea69d4631","verification_scope":"public_verification"},"questions":[{"id":"question-001","question":"Which lenders did the AI platforms most consistently rank for soft-pull prequalification?","section":"The Consensus Ranking","section_id":"the-consensus-ranking"},{"id":"question-002","question":"How much agreement existed across platforms on the top choices?","section":"The Consensus Ranking","section_id":"the-consensus-ranking"},{"id":"question-003","question":"How should a borrower match their credit profile and loan needs to the right lender?","section":"Which Option Is Best for Which Version of the Buyer Need?","section_id":"which-option-is-best-for-which-version-of-the-buyer-need"},{"id":"question-004","question":"Which lenders suit rate shopping versus approval odds versus fee avoidance?","section":"Which Option Is Best for Which Version of the Buyer Need?","section_id":"which-option-is-best-for-which-version-of-the-buyer-need"},{"id":"question-005","question":"What patterns emerged across all 10 ranked lenders?","section":"What the Cross-Platform Study Reveals About This Market","section_id":"what-the-cross-platform-study-reveals-about-this-market"},{"id":"question-006","question":"How does the soft-pull prequalification market segment by borrower credit profile?","section":"What the Cross-Platform Study Reveals About This Market","section_id":"what-the-cross-platform-study-reveals-about-this-market"},{"id":"question-007","question":"On which core facts did platforms reach unanimous or near-unanimous agreement?","section":"Where the AI Platforms Agreed","section_id":"where-the-ai-platforms-agreed"},{"id":"question-008","question":"Which soft-pull mechanics were consistently confirmed across all lenders?","section":"Where the AI Platforms Agreed","section_id":"where-the-ai-platforms-agreed"},{"id":"question-009","question":"Which pricing and fee facts conflicted most across platforms?","section":"Where the AI Platforms Disagreed","section_id":"where-the-ai-platforms-disagreed"},{"id":"question-010","question":"Why did platforms reach opposite conclusions about some lenders?","section":"Where the AI Platforms Disagreed","section_id":"where-the-ai-platforms-disagreed"},{"id":"question-011","question":"What steps should a borrower take to compare soft-pull prequalification offers?","section":"How Buyers Should Choose","section_id":"how-buyers-should-choose"},{"id":"question-012","question":"How should a borrower evaluate net proceeds rather than just APR?","section":"How Buyers Should Choose","section_id":"how-buyers-should-choose"}],"ranking":{"candidates_evaluated":21,"qualified_finalists":10,"ranking_unit":"Personal loan lender and loan product"},"schema_version":4,"summary":"SoFi is the consensus leader for soft-pull personal loan prequalification, named by all 7 AI platforms studied with an average listed rank of 2.14 and a best rank of 1. The strongest alternatives depend on buyer profile: Upstart (also 7 of 7 mentions) suits borrowers with fair or nontraditional credit who may benefit from AI underwriting; Discover offers a no-origination-fee bank option with a clear Rate Check tool; and Credible provides multi-lender comparison through a single soft-pull form. This index examined 7 AI platforms—OpenAI, Anthropic, DeepSeek, Grok, Perplexity, Kimi, and…","target_buyer":"Borrowers who want to compare likely personal-loan rates or eligibility without a hard credit inquiry before submitting a full application","topic":{"base_category":"Personal & debt consolidation loans","category_criteria":["Soft-pull prequalification availability","rate and term preview quality","APR range","fees","loan amounts","eligibility transparency","hard-inquiry disclosure"],"geography":"United States","slug":"best-personal-loans-with-soft-pull-prequalification","title":"Best Personal Loans With Soft-Pull Prequalification","use_case":"Soft-Pull Personal Loan Prequalification"}}