Brandwave

How popular isHarmoney?

In September 2026, people searched for Harmoney by name about 10,600 times in New Zealand, about the same as the previous year. These searches made up 16% of all New Zealand car finance provider searches, placing Harmoney fourth out of eight providers. When we asked both ChatGPT and Google AI Overviews about car finance providers, Harmoney appeared in four of the five answers and was the fifth most recommended of the eight.

Search and AI answers in September 2026

Harmoney is the fourth most searched of 8 competitors and the fifth most recommended in AI answers.

  1. MTF FinanceShare of searches 28.2%Mentioned in 4 of 5 AI answersPlace in AI recommendations 6th
  2. Heartland BankShare of searches 22.5%Mentioned in 4 of 5 AI answersPlace in AI recommendations 3rd
  3. Avanti FinanceShare of searches 16.5%Mentioned in 0 of 5 AI answersPlace in AI recommendations –
  4. HarmoneyShare of searches 16%Mentioned in 4 of 5 AI answersPlace in AI recommendations 5th
  5. UDC FinanceShare of searches 15%Mentioned in 3 of 5 AI answersPlace in AI recommendations 4th

+3 more

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Top car finance providers in ChatGPT and Google AI Overviews

In three ChatGPT questions and two Google AI Overviews, Harmoney was mentioned in four out of five: in two of the three ChatGPT answers and in both Google AI Overviews. Harmoney is the fifth most recommended of the eight.

Most recommended by AI

Brands get a higher ranking if they are mentioned earlier in the answers.

  1. Simplify1st
  2. AA Money2nd
  3. Heartland Bank3rd
  4. UDC Finance4th
  5. Harmoney5th
  6. MTF Finance6th
  7. Marac7th
  8. Avanti Finance–

Mentioned by AI

Each dot is one answer, filled in when that answer mentions the brand.

  • MTF Finance4 of 5Named in 2 of 3 ChatGPT answersNamed in 2 of 2 Google answers
  • Heartland Bank4 of 5Named in 3 of 3 ChatGPT answersNamed in 1 of 2 Google answers
  • Harmoney4 of 5Named in 2 of 3 ChatGPT answersNamed in 2 of 2 Google answers
  • AA Money4 of 5Named in 2 of 3 ChatGPT answersNamed in 2 of 2 Google answers
  • UDC Finance3 of 5Named in 1 of 3 ChatGPT answersNamed in 2 of 2 Google answers
  • Simplify3 of 5Named in 3 of 3 ChatGPT answersNamed in 0 of 2 Google answers
  • Marac1 of 5Named in 1 of 3 ChatGPT answersNamed in 0 of 2 Google answers
  • Avanti Finance0 of 5Named in 0 of 3 ChatGPT answersNamed in 0 of 2 Google answers

See every answer about car finance providers

5 answers

Not named in any answer:

Brands are shown in the order each answer named them. The survey took place in New Zealand on October 20, 2026.

Which car finance providers compete with Harmoney?

Harmoney against car finance providers in New Zealand, by month

Share of searches by month for MTF Finance, Heartland Bank, Avanti Finance, Harmoney, UDC Finance. The figures are in the table below the chart.

View monthly share of searches table
MonthMTF FinanceHeartland BankAvanti FinanceHarmoneyUDC FinanceSimplifyMaracAA Money
Oct 202531.9%22.8%14%16.2%12.5%0.6%1.1%0.76%
Nov 202529.3%23.4%14.4%17.3%12.8%0.7%1.2%0.84%
Dec 202529.2%20.9%15.1%18.3%14%0.74%1.1%0.74%
Jan 202631%22.1%13.5%15.9%14.8%0.82%1.1%0.79%
Feb 202629.6%23.6%14.5%16.9%12.9%0.73%0.97%0.73%
Mar 202630.4%21.5%15.8%15.5%14.4%0.96%0.89%0.58%
Apr 202627.2%23.5%14.4%16.7%15.7%0.87%0.99%0.64%
May 202629.6%23.6%14.6%16.9%12.9%0.88%1%0.56%
Jun 202625.7%30.6%15.6%12.3%13.7%0.73%0.86%0.44%
Jul 202627.1%23.6%17.3%14.1%15.8%0.83%0.8%0.51%
Aug 202627%23.4%17.9%13.8%15.7%0.9%0.81%0.58%
Sep 202628.2%22.5%16.5%16%15%0.67%0.62%0.53%

  1. 1.MTF Finance

    28.2%

    Held 1st. 18.6K estimated branded searches, +8.8% vs prior month. Share +1.2 points.

  2. 2.Heartland Bank

    22.5%

    Held 2nd. 14.8K estimated branded searches, 0% vs prior month. Share -0.9 points.

  3. 3.Avanti Finance

    16.5%

    Held 3rd. 10.9K estimated branded searches, -3.7% vs prior month. Share -1.4 points.

  4. 4.Harmoney

    16%

    Moved from 5th to 4th. 10.6K estimated branded searches, +21.1% vs prior month. Share +2.2 points.

  5. 5.UDC Finance

    15%

    Moved from 4th to 5th. 9.9K estimated branded searches, 0% vs prior month. Share -0.6 points.

  6. 6.Simplify

    0.67%

    Held 6th. 440 estimated branded searches, -22.8% vs prior month. Share -0.2 points.

  7. 7.Marac

    0.62%

    Held 7th. 410 estimated branded searches, -19.6% vs prior month. Share -0.2 points.

  8. 8.AA Money

    0.53%

    Held 8th. 350 estimated branded searches, -5.4% vs prior month. Share -0.1 points.

Compare popularity between Harmoney and its closest rivals

Every comparison with Harmoney

11 comparisons

How has branded search demand for Harmoney changed in New Zealand over the last 12 months?

3 findings
  • Across the 12 months ending September 2026, estimated monthly branded searches for Harmoney in New Zealand held steady, from 10.5K to 10.6K.
  • Across the 12 months ending September 2026, Harmoney’s share of searches among car finance providers in New Zealand peaked at 18.3% in December 2025 and was lowest at 12.3% in June 2026.
  • Across the 12 months ending September 2026, Harmoney fell from 3rd to 4th among car finance providers in New Zealand.

How did search popularity change for New Zealand car finance providers in September 2026?

6 changes

  1. In September 2026, Harmoney overtook UDC Finance to rank 4th among car finance providers in New Zealand, with 16% of the searches.

  2. In September 2026, MTF Finance gained share of searches among car finance providers in New Zealand, from 27% to 28.2%.

  3. In September 2026, Avanti Finance lost share of searches among car finance providers in New Zealand, from 17.9% to 16.5%.

  4. In September 2026, Heartland Bank lost share of searches among car finance providers in New Zealand, from 23.4% to 22.5%.

  5. In September 2026, UDC Finance lost share of searches among car finance providers in New Zealand, from 15.7% to 15%.

  6. Estimated monthly branded searches for Simplify in New Zealand rose 12.8% over 12 measured months, from 390 to 440 in September 2026.

How are Harmoney’s branded searches counted?

9 search terms

Brandwave collects information about searches that people make online using Harmoney’s name. When viewed over time, estimated search volumes for these branded terms can be used to understand whether interest in the brand is growing, holding steady, or fading.

  • harmoney
  • harmoney car loan
  • harmoney car loans
  • harmoney finance
  • harmoney lender
  • harmoney loan
  • harmoney loans
  • harmoney personal loan
  • harmoney personal loans

Do you work for Harmoney? To request corrections or removal please contact us via our support page and we will be happy to assist.

How the Brand Demand Index is measured

Where does Harmoney compete?

Harmoney is ranked in two competitor sets. Each share is worked out among that set's brands, so it differs from set to set.
Competitor setRankShare of searchesRanking
personal lenders6th of 78.1%Show ranking
Car finance providers4th of 816%Shown above
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