Upgrade moved up to #3 in AI answers about personal loans in week 41, passing LightStream; SoFi stays #1 with 39% of answers.
Each brand's rank by its share of AI answers about personal loans, week by week (ChatGPT, Gemini and Google AI Overviews, the same buyer questions asked three times a week). Lines join a brand's rank; brands named in the takeaways are in colour.
Source: ChatGPT search answers, Gemini (Ujeebu Gemini API), Google AI Overviews (Ujeebu SERP API). Collected Oct 9, 2026 with the Ujeebu API. Chart: Ujeebu, CC BY 4.0.
Powered by UjeebuKey takeaways
- Upgrade moved up to #3 in AI answers about personal loans in week 41, passing LightStream; SoFi stays #1 with 39% of answers.
- SoFi is #1 in both weeks, named in 39% of answers in week 40 and 39% in week 41.
- #1 on each engine in week 41: ChatGPT SoFi, Gemini Upstart, Google AI Overviews SoFi.
- Week 41 has 1,769 answers (3 rounds) and week 40 had 583 (0 rounds); shares are per week, so the weeks compare.
The data
| Week | Brand | Rank | Share of answers | Answers naming it | Answers |
|---|---|---|---|---|---|
| Week 41 | SoFi | 1 | 39.2% | 692 | 1769 |
| Week 41 | Upstart | 2 | 37.2% | 658 | 1769 |
| Week 41 | Upgrade | 3 | 28.1% | 498 | 1769 |
| Week 41 | LightStream | 4 | 27.4% | 485 | 1769 |
| Week 41 | Discover Personal Loans | 5 | 19.3% | 340 | 1769 |
| Week 41 | OneMain Financial | 6 | 19.2% | 339 | 1769 |
| Week 41 | Avant | 7 | 15.2% | 268 | 1769 |
| Week 41 | Wells Fargo | 8 | 12.0% | 212 | 1769 |
| Week 41 | PenFed Credit Union | 9 | 11.6% | 205 | 1769 |
| Week 41 | Best Egg | 10 | 8.6% | 152 | 1769 |
| Week 41 | LendingClub | 11 | 8.1% | 143 | 1769 |
| Week 41 | Prosper | 12 | 7.3% | 128 | 1769 |
| Week 40 | SoFi | 1 | 38.9% | 227 | 583 |
| Week 40 | Upstart | 2 | 35.4% | 207 | 583 |
| Week 40 | LightStream | 3 | 26.8% | 157 | 583 |
| Week 40 | Upgrade | 4 | 24.9% | 145 | 583 |
| Week 40 | Discover Personal Loans | 5 | 17.3% | 101 | 583 |
| Week 40 | OneMain Financial | 6 | 17.2% | 100 | 583 |
| Week 40 | Avant | 7 | 12.4% | 72 | 583 |
| Week 40 | Wells Fargo | 8 | 11.2% | 65 | 583 |
| Week 40 | PenFed Credit Union | 9 | 9.7% | 57 | 583 |
| Week 40 | Best Egg | 10 | 7.3% | 43 | 583 |
| Week 40 | Prosper | 11 | 6.4% | 37 | 583 |
| Week 40 | LendingClub | 12 | 6.2% | 36 | 583 |
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We make every effort to find high-quality data sources, but this data comes from AI engine answers collected from the open web and we cannot guarantee its accuracy, completeness or reliability. Use it at your own risk.
How we got this data
We collected these answers with Ujeebu's LLM APIs, which return what ChatGPT, Gemini and Google AI Overviews actually tell people, including the brands they name and the sources they cite, as structured JSON. The same APIs are available to you: ask any question and get the answer and its citations back in seconds.
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Methodology and known limits
What we asked. Each industry has its own set of 200 buyer questions in US English (recommendations, problems, comparisons and prices), frozen for the quarter. Each question is asked to ChatGPT, Gemini and Google AI Overviews three times a week, on Monday, Wednesday and Friday, from the US, through Ujeebu's APIs.
What we counted. A brand is mentioned when the answer names it, matched against the industry's list of brands and their aliases. The share of answers is the answers that name the brand divided by every answer collected that week on the three engines, as on the AI Citation Index pages. Ranks are by that share. Each week is checked before it is published (coverage per engine and a spot check of the brand matches).
Why this chart. It was drafted because week 41 moved against week 40: Upgrade entered the top 3. A significant move means the 95% Wilson intervals of the two weeks do not overlap.
How the AI Citation Index collects and counts answers: read the methodology.
Known limits
- Weekly snapshots of AI answers; a move between two weeks can reverse the next week.
- Questions are in US English and asked from the US.
- A mention is not a recommendation: an answer that names a brand to warn against it still counts.
- Only brands on the personal loans list are counted.
The data comes from AI engine answers to our own questions. This page publishes aggregated counts only: no answer text and no personal data. Spotted an error? Tell us.
Disclaimer: We make every effort to find high-quality data sources, but this data comes from AI engine answers collected from the open web and we cannot guarantee its accuracy, completeness or reliability. Use it at your own risk.
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Ujeebu, "Personal loans: how the brands AI answers name most moved, week 40 to week 41 of 2026", https://ujeebu.com/data/personal-loans-ai-rank-2026-w41, updated Oct 10, 2026. CC BY 4.0.
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