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

OneMain Financial

onemainfinancial.com

Personal, auto and student lendingLending and credit

Money20/20 attendee

Statement period
October 9, 2026
when the AI assistants were asked
Account no.
794 of 2,219
its rank by overall score
Place in its category
24th of 62 consumer lenders
Closing balance

Named in

2of 60 answers

by 1 of 4 assistants

Statement note

What this means for OneMain Financial

AI assistants rarely name this consumer lender in answers, doing so in 2 out of 60 cases. Its overall score is 32 out of 100, ranking 794th of 2,219, which is in line with the typical company in its sector. The website passes 3 out of 14 technical checks for readiness with AI tools.

We asked 15 unbranded questions about its market, so no question mentioned OneMain Financial 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
32Overall score
  • Visibility6
  • Citations2
  • Sentiment75
  • Site quality80
  • AI readiness21
Summary of account
Named by AI in
3.3%
2 of 60 answers
Share of mentions
15.4%
of the mentions of it and its 5 peers
AI readiness
3/14
technical checks passed. Typical for its sector: 4
Rank in its sector
42 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

OneMain Financial came up on 2 of 15 questions. Open any window to read that answer.

  1. 01What are the best personal loan options for home improvement projects in the US?0/4
  2. 02Personal loans vs. credit cards for managing unexpected expenses—what's better?0/4
  3. 03Best ways to find quick online personal loan pre-approval offers?1/4
  4. 04Can I use a personal loan to fund a move to a new city?0/4
  5. 05How do origination fees affect the total cost of a personal loan?0/4
  6. 06How can I check if I'm eligible for a personal loan without impacting my credit score?0/4
  7. 07What is the average APR for personal loans in the United States?0/4
  8. 08Alternatives to personal loans for covering emergency expenses?0/4
  9. 09How do personal loans work for paying for car repairs or major purchases?0/4
  10. 10Are personal loans worth it for consolidating high-interest credit card debt?0/4
  11. 11Top personal loan providers for debt consolidation with fast approval times?1/4
  12. 12Secured vs. unsecured personal loans—how do they differ for large purchases?0/4
  13. 13What should I do if my personal loan application gets rejected?0/4
  14. 14Is it a good idea to use a personal loan for medical expenses?0/4
  15. 15Other ways to consolidate debt besides personal loans?0/4
Total namedOpenAI: 0/15Claude: 0/15Perplexity: 0/15Gemini: 2/15All 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 Gemini actually said

An answer that names the company

Gemininamed the company

“Best ways to find quick online personal loan pre-approval offers?”

… Consider lenders that use alternative data: Some lenders, like OneMain Financial and Upstart, may consider factors beyond just your credit score, such as employment and income, which can be helpful if you have a less-than-perfect credit history.

Be cautious of "no credit check" loans: While some lenders advertise "no credit check" loans, these often come with very high interest rates and short repayment terms, making them difficult to repay. Legitimate lenders typically perform some form of credit assessment. A soft credit check is different from a "no credit check" loan. …

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
    Upgrade
    5
  2. 02
    Avant
    2
  3. 03
    Best Egg
    2
  4. 04
    LendingClub
    2

Share of mentions

CompanyShare
  1. Upgrade
    38.5%
  2. OneMain Financial
    15.4%
  3. LendingClub
    15.4%
  4. Avant
    15.4%
  5. Best Egg
    15.4%
  6. Prosper
    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
    experian.com
    41
  2. 02
    nerdwallet.com
    27
  3. 03
    bankrate.com
    26
  4. 04
    sofi.com
    15
  5. 05
    upstart.com
    14
  6. 06
    cnbc.com
    13
  7. 07
    credible.com
    11
  8. 08
    lendingtree.com
    10
  9. 09
    moneylion.com
    9
  10. 10
    discover.com
    9

OneMain Financial 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
2/15
Perplexity
0/15
Claude
0/15
OpenAI
0/15
Market comparisonSection 06

How OneMain Financial 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
6

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

Citations
2

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
21

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
32
Ranks 42 of 93. Typical company: 31
Named in answers
3.3%
Ranks 42 of 93. Typical company: 3.3%
AI readiness
21
Ranks 52 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
32
Ranks 20 of 62. Typical company: 28
Named in answers
3.3%
Ranks 21 of 62. Typical company: 1.7%
AI readiness
21
Ranks 38 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 1: Basic web presence. Two of robots.txt, a sitemap and Link headers are in place.

To reach level 2:
  • Content Signals
Can an AI agent check out here?

Not by itself. OneMain Financial 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.txtNot present
  • WebMCPCould not check
Show every check, for your technical team
Discoverability
80 of 100
  • robots.txtPassed

    A valid robots.txt with crawl rules at the site root.

    study: 86.1%
  • SitemapPassed

    An XML sitemap listing the pages, ideally referenced 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 DiscoveryPassed

    SVCB or HTTPS records under _agents that advertise agent endpoints.

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

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

    study: 6.2%
  • llms.txtNot met

    Publish an llms.txt with a short summary and the key links.

    study: 31.0%
Bot access control
32 of 100
  • AI bot rulesPartly 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 28 of 100 · 97% of checks could run · checked on October 9, 2026 · www.onemainfinancial.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

3 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

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

Content Accessibility

  • Not metMarkdown content negotiationstudy: 7.4%
  • Not metllms.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%
AI crawlersSection 11

What AI crawlers may read (robots.txt)

This website sets no rules for any AI crawler by name, like 86% of the websites whose rules we could read. Every AI crawler follows its general rules.

Training AI

  • GPTBotpartly
  • ClaudeBotpartly
  • Anthropic-AIpartly
  • Google-Extendedpartly
  • Applebot-Extendedpartly
  • Meta-ExternalAgentpartly
  • FacebookBotpartly
  • Bytespiderpartly
  • CCBotpartly
  • Diffbotpartly
  • Omgilibotpartly

AI search

  • OAI-SearchBotpartly
  • Claude-SearchBotpartly
  • PerplexityBotpartly
  • Applebotpartly
  • Amazonbotpartly
  • YouBotpartly

Answering questions

  • ChatGPT-Userpartly
  • Claude-Userpartly
  • Perplexity-Userpartly
  • DuckAssistBotpartly
  • MistralAI-Userpartly

Read from the website’s own rules file (robots.txt). An asterisk marks a crawler the file names. The rest follow its general rules. “Partly” means only some pages are blocked.

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End of statement
All 2,219 companiesHow we measured this
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