Of 60 answers

The most named companies in the study, and S&P 500 financials, with how many of their 60 AI answers named them.

SWIFT47/60TRANSUNION46/60EXPERIAN42/60COINSTAR41/60NAVY FEDERAL CREDIT UNION41/60ZELLE41/60BLOOMBERG L.P.38/60TRADINGVIEW38/60BANCO POPULAR DE PUERTO RICO37/60PAYPAL37/60VENMO37/60CHEXSYSTEMS33/60EQUIFAX33/60MORNINGSTAR32/60S&P GLOBAL31/60ALPACA MARKETS30/60COINBASE30/60PINWHEEL29/60STRIPE29/60XERO29/60ACORNS28/60AFFIRM28/60PAYFAST (PAYGATE)28/60PAYONEER28/60INTERACTIVE BROKERS26/60CHARLES SCHWAB19/60THE HARTFORD9/60MOODY'S21/60CME GROUP19/60ACCENTURE11/60CHUBB10/60MORGAN STANLEY6/60AMERICAN EXPRESS14/60SYNCHRONY FINANCIAL12/60FACTSET20/60NASDAQ19/60ALLSTATE11/60WELLS FARGO18/60PAYCHEX10/60ARES MANAGEMENT3/60
Rezolve Ai
MethodDemo
Back to the study
AI visibility statementFinance AI Visibility Study 2026Issued October 14, 2026
Account holder

Caribou

caribou.com

Personal, auto and student lendingLending and credit

Money20/20 attendee

Statement period
October 9, 2026
when the AI assistants were asked
Account no.
706 of 2,219
its rank by overall score
Place in its category
18th of 62 consumer lenders
Closing balance

Named in

2of 60 answers

by 2 of 4 assistants

Statement note

What this means for Caribou

Caribou is a consumer lender named by AI assistants in 2 of 60 answers, which is rare and about as often as the typical company in its sector. Its overall score is 34 out of 100, ranking it 706th of 2,219 companies studied. Caribou's website passes 5 of 14 technical checks for AI tool readiness.

We asked 15 unbranded questions about its market, so no question mentioned Caribou by name. AI assistants named it in 2 of the 60 answers. Counting only how often it is named, it ranks 42nd of 93 in its sector. The typical lending and credit company is named in 3.3% of answers.

Named fewer than three times in total. Read this as a sign that AI assistants rarely bring this company up, not as an exact comparison with its peers.

Overall score
34Overall score
  • Visibility8
  • Citations1
  • Sentiment75
  • Site quality80
  • AI readiness36
Summary of account
Named by AI in
3.3%
2 of 60 answers
Share of mentions
22.2%
of the mentions of it and its 5 peers
AI readiness
5/14
technical checks passed. Typical for its sector: 4
Rank in its sector
34 of 93
by overall score, where the typical lending and credit company scores 31

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Line itemsSection 01

Every question, and where the company came up

Caribou came up on 1 of 15 questions. Open any window to read that answer.

  1. 01Why am I being denied for auto loan refinancing even with a steady income?0/4
  2. 02Are there options besides refinancing to fix a bad car loan?0/4
  3. 03Is refinancing an existing auto loan worth it if my current rate is higher than average?0/4
  4. 04How does auto loan refinancing compare to trading in a car for lowering monthly payments?0/4
  5. 05How do I find lenders that offer no-credit-impact auto loan rate checks?0/4
  6. 06When is the right time to refinance a car loan to maximize savings?0/4
  7. 07How do interest rates on auto loan refinancing typically compare to new auto loans?0/4
  8. 08Who should consider auto loan refinancing to reduce car payments?0/4
  9. 09What's the difference between refinancing a car loan and modifying your loan terms with your current lender?0/4
  10. 10What fees should I expect when refinancing my auto loan in the United States?0/4
  11. 11What should I do if my auto refinance application is delayed or stuck?0/4
  12. 12What are the best auto loan refinancing options for drivers with high monthly payments?2/4
  13. 13What other ways can drivers save on auto loan costs without refinancing?0/4
  14. 14What are alternatives to auto loan refinancing for lowering monthly car payments?0/4
  15. 15How much could I realistically save each month by refinancing my car loan?0/4
Total namedOpenAI: 0/15Claude: 1/15Perplexity: 0/15Gemini: 1/15All assistants: 2/60
named the companyanswered without naming itdid not answer

Columns, left to right: OpenAI, Claude, Perplexity, Gemini. Across the study, on 50% of the questions where a company is named, only one AI assistant names it.

Transaction detailSection 02

What Claude actually said

An answer that names the company

Claudenamed the company

“What are the best auto loan refinancing options for drivers with high monthly payments?”

I'll search for current information about auto loan refinancing options for drivers with high monthly payments.Based on current information, here are the best auto loan refinancing options for drivers with high monthly payments:

Top Refinancing Lenders

Popular refinancing platforms include Hello Refi (starting at 4.99% APR), Autopay (4.29%), Caribou (4.18%), and myAutoloan (3.99%).

Key Options by Type

Loan Marketplaces: You can get prequalified with online lenders, credit unions, and local and national banks. Marketplaces typically offer flexible terms ranging from 12 to 96 month …

The AI’s answer as we received it, shortened and not checked for accuracy.

PayeesSection 03

Where the mentions went

The companies these answers named, and how the mentions were split between this company and its peers.

Also named

CompanyTimes named
  1. 01
    RefiJet
    1
  2. 02
    Auto Approve
    1
  3. 03
    OpenRoad Lending
    1

Share of mentions

CompanyShare
  1. LendingTree Auto Refinance
    44.4%
  2. Caribou
    22.2%
  3. RefiJet
    11.1%
  4. Auto Approve
    11.1%
  5. OpenRoad Lending
    11.1%
  6. RateGenius
    0.0%
ReferrersSection 04

Websites the AI used as sources

How many times each website was listed as a source in these answers

  1. 01
    bankrate.com
    30
  2. 02
    experian.com
    27
  3. 03
    chase.com
    22
  4. 04
    lendingtree.com
    21
  5. 05
    pnc.com
    11
  6. 06
    caranddriver.com
    10
  7. 07
    wsj.com
    10
  8. 08
    nerdwallet.com
    9
  9. 09
    consumerfinance.gov
    9
  10. 10
    refijet.com
    9

Caribou is in the study as a consumer lender.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

Gemini
1/15
Claude
1/15
Perplexity
0/15
OpenAI
0/15
Market comparisonSection 06

How Caribou compares with all 2,219 companies

Every tower is a company in the study, taller for a higher overall score and lit where AI assistants named it. Its own group stays lit. Hover a tower to see it, and click to open it.

What makes up the score

Each part is scored out of 100.

Visibility
8

How often AI assistants name the company, and how that compares with its peers

Citations
1

How often AI uses the company's own website as a source

Sentiment
75

How positively AI describes the company

Site quality
80

How well built the website's own pages are

AI readiness
36

How easily AI tools can read and use the website

Visibility is calculated from the answers on this page. How the score is built.

Against its sectorSection 07

Compared with lending and credit companies

93 companies in this sector. The gold tick on each bar is the typical company.

Overall score
34
Ranks 34 of 93. Typical company: 31
Named in answers
3.3%
Ranks 42 of 93. Typical company: 3.3%
AI readiness
36
Ranks 9 of 93. Typical company: 29
Against its categorySection 08

Compared with consumer lenders

62 companies in this category. The gold tick on each bar is the typical company.

Overall score
34
Ranks 14 of 62. Typical company: 28
Named in answers
3.3%
Ranks 21 of 62. Typical company: 1.7%
AI readiness
36
Ranks 6 of 62. Typical company: 29
AI agentsSection 09

Ready for AI agents

What this website publishes for an AI agent to read, use and pay through, on a scale of six levels.

  1. 0
  2. 1
  3. 2
  4. 3
  5. 4
  6. 5

Level 0: Not yet agent-ready. Agents struggle to find basic information about the site.

To reach level 1:
  • 2 of robots.txt, Sitemap, Link headers
Can an AI agent check out here?

Not by itself. Caribou publishes none of the agent payment protocols we look for. An agent would have to click through the website like a person.

Agent payment protocols
  • x402Not present
  • MPPNot present
  • AP2Not present
  • ACPNot present
  • UCPNot present
Interfaces for AI agents
  • MCP Server CardNot present
  • A2A Agent CardNot present
  • Agent SkillsNot present
  • API CatalogNot present
  • llms.txtPublished
  • WebMCPCould not check
Show every check, for your technical team
Discoverability
31 of 100
  • robots.txtNot met

    Publish a valid robots.txt with crawl rules and a Sitemap line.

    study: 86.1%
  • SitemapPartly met

    Serve an XML sitemap and reference it from robots.txt.

    study: 87.9%
  • Link headersNot met

    Send Link headers such as rel="api-catalog" or rel="describedby" on the homepage.

    study: 1.5%
  • DNS for AI DiscoveryNot present

    Advertise agent endpoints with SVCB records under _agents.

    study: 4.3%
Content accessibility
50 of 100
  • Markdown negotiationNot met

    Return a markdown version when asked with Accept: text/markdown, for example at the CDN.

    study: 6.2%
  • llms.txtPassed

    An llms.txt that tells language models what the site offers.

    study: 31.0%
Bot access control
0 of 100
  • AI bot rulesNot met

    Add explicit robots.txt groups for the main AI crawlers.

    study: 92.7%
  • Content SignalsNot met

    Add a Content-Signal line for search, ai-input and ai-train to robots.txt.

    study: 2.3%
  • Web Bot AuthNot present

    Only relevant if you run your own agents or crawlers: publish a signing key directory.

    study: 0.3%
APIs, auth and MCP
0 of 100
  • API CatalogNot met

    List public APIs in a linkset at /.well-known/api-catalog.

    study: 1.3%
  • OAuth discoveryNot met

    Publish OpenID Connect or OAuth server metadata under /.well-known.

    study: 6.3%
  • OAuth Protected ResourceNot met

    Serve protected resource metadata at /.well-known/oauth-protected-resource.

    study: 5.3%
  • auth.mdNot met

    Publish an auth.md describing how agents sign in.

    study: 0.2%
  • MCP Server CardNot met

    Offer an MCP server and publish its server card under /.well-known.

    study: 0.8%
  • A2A Agent CardNot met

    Publish an agent card at /.well-known/agent-card.json.

    study: 0.2%
  • Agent SkillsNot met

    Publish a skills index with the main tasks agents can do.

    study: 1.0%
  • WebMCPCould not check

    Register key actions such as search or cart as WebMCP tools.

    study: 0.0%
  • ARD manifestNot met

    Publish an ai-catalog.json listing every agent interface.

    study: 0.2%

Score 18 of 100 · 97% of checks could run · checked on October 9, 2026 · caribou.com · 2,200 companies scanned

See how every company did, and how this was measured.

AI readinessSection 10

The checks behind the AI readiness score

5 of 14 passed. This list is for your technical team. The percentage is how many companies in the study pass each check.

These 14 checks ran during the audit and are what the AI readiness part of the overall score counts. The scan above ran later and is stricter on Link headers and Markdown, so a check can pass here and not there.

Show the 14 checks

Discoverability

  • Not metrobots.txt publishedstudy: 85.1%
  • PassedXML sitemapstudy: 79.4%
  • PassedHTTP Link headers (RFC 8288)study: 42.5%

Content Accessibility

  • PassedMarkdown content negotiationstudy: 7.4%
  • Passedllms.txt publishedstudy: 28.1%
  • PassedToken budget (page weight)study: 97.3%

Bot Access Control

  • Not metExplicit AI bot rulesstudy: 11.5%

API / Auth / MCP

  • Not metAPI Catalog (.well-known/api-catalog)study: 1.1%
  • Not metOAuth Authorization Server discoverystudy: 5.2%
  • Not metOAuth Protected Resource discoverystudy: 4.6%
  • Not metMCP Server Cardstudy: 0.2%
  • Not metA2A Agent Cardstudy: 0.0%
  • Not metWebMCP toolsstudy: 0.3%
  • Not metAgent Skills declaredstudy: 0.1%
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End of statement
All 2,219 companiesHow we measured this
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