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 8.1% of all New Zealand personal lender searches, placing Harmoney sixth out of seven lenders. When we asked both ChatGPT and Google AI Overviews about personal lenders, Harmoney appeared in four of the five answers.

Search and AI answers in September 2026

Harmoney is the sixth most searched of 7 competitors.

  1. Gem by LatitudeShare of searches 38%Mentioned in 0 of 5 AI answers
  2. Finance NowShare of searches 17.1%Mentioned in 0 of 5 AI answers
  3. MTF FinanceShare of searches 14.2%Mentioned in 1 of 5 AI answers
  4. Instant FinanceShare of searches 11.8%Mentioned in 0 of 5 AI answers
  5. HarmoneyShare of searches 8.1%Mentioned in 4 of 5 AI answers

+2 more

Harmoney website (opens in a new tab)

Follow Harmoney and get free monthly updates on what changed

By continuing you'll get index updates and occasional product news from Brandwave. Unsubscribe any time. Privacy

Top personal lenders in ChatGPT and Google AI Overviews

In three ChatGPT questions and two Google AI Overviews, Harmoney was mentioned in four out of five: in all three ChatGPT answers and in one of the two Google AI Overviews.

Mentioned by AI

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

  • Harmoney4 of 5Named in 3 of 3 ChatGPT answersNamed in 1 of 2 Google answers
  • MTF Finance1 of 5Named in 0 of 3 ChatGPT answersNamed in 1 of 2 Google answers
  • Avanti Finance1 of 5Named in 0 of 3 ChatGPT answersNamed in 1 of 2 Google answers
  • Gem by Latitude0 of 5Named in 0 of 3 ChatGPT answersNamed in 0 of 2 Google answers
  • Finance Now0 of 5Named in 0 of 3 ChatGPT answersNamed in 0 of 2 Google answers
  • Instant Finance0 of 5Named in 0 of 3 ChatGPT answersNamed in 0 of 2 Google answers
  • Nectar0 of 5Named in 0 of 3 ChatGPT answersNamed in 0 of 2 Google answers

See every answer about personal lenders

5 answers

  • Asked ChatGPT

    “Which personal lender should I use in New Zealand?”

    1. 1Harmoney

  • Asked ChatGPT

    “What are the best personal lenders in New Zealand?”

    1. 1Harmoney

  • Asked ChatGPT

    “What's the best personal lender in New Zealand for a personal loan?”

    1. 1Harmoney

  • Searched Google, AI Overview

    “personal loan nz”

    1. 1Harmoney
    2. 2MTF Finance

  • Searched Google, AI Overview

    “non bank lenders nz”

    1. 1Avanti Finance

Not named in any answer:

Brands are shown in the order each answer named them. The survey took place in New Zealand on October 19, 2026.

Which personal lenders compete with Harmoney?

Harmoney against personal lenders in New Zealand, by month

Share of searches by month for Gem by Latitude, Finance Now, MTF Finance, Instant Finance, Avanti Finance, Harmoney, Nectar. The figures are in the table below the chart.

View monthly share of searches table
MonthGem by LatitudeFinance NowMTF FinanceInstant FinanceAvanti FinanceHarmoneyNectar
Oct 202538.5%17.1%15.8%11.8%6.9%8%1.9%
Nov 202538.5%16.7%13.8%14.1%6.8%8.1%2%
Dec 202539.6%16.8%12.7%14.2%6.6%8%2.1%
Jan 202639.1%16.8%15.5%11.5%6.8%8%2.3%
Feb 202636.4%18.7%15.5%10.6%7.6%8.8%2.3%
Mar 202638.4%16.5%15.4%11.4%8%7.9%2.5%
Apr 202637.4%18.2%13.9%12.5%7.4%8.5%2.2%
May 202638.5%17.5%14.5%12%7.1%8.3%2.1%
Jun 202639.1%17.2%14.3%11.8%8.7%6.9%2.1%
Jul 202637.3%18.2%13.8%12.5%8.8%7.1%2.5%
Aug 202638.8%17.6%13.4%12.1%8.9%6.8%2.4%
Sep 202638%17.1%14.2%11.8%8.3%8.1%2.6%

  1. 1.Gem by Latitude

    38%

    Held 1st. 49.8K estimated branded searches, +0.56% vs prior month. Share -0.8 points.

  2. 2.Finance Now

    17.1%

    Held 2nd. 22.5K estimated branded searches, -0.09% vs prior month. Share -0.5 points.

  3. 3.MTF Finance

    14.2%

    Held 3rd. 18.6K estimated branded searches, +8.7% vs prior month. Share +0.8 points.

  4. 4.Instant Finance

    11.8%

    Held 4th. 15.4K estimated branded searches, 0% vs prior month. Share -0.3 points.

  5. 5.Avanti Finance

    8.3%

    Held 5th. 10.9K estimated branded searches, -3.7% vs prior month. Share -0.6 points.

  6. 6.Harmoney

    8.1%

    Held 6th. 10.6K estimated branded searches, +21.1% vs prior month. Share +1.2 points.

  7. 7.Nectar

    2.6%

    Held 7th. 3.4K estimated branded searches, +10.9% vs prior month. Share +0.2 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 personal lenders in New Zealand peaked at 8.8% in February 2026 and was lowest at 6.8% in August 2026.
  • Across the 12 months ending September 2026, Harmoney fell from 5th to 6th among personal lenders in New Zealand.

How did search popularity change for New Zealand personal lenders in September 2026?

5 changes

  1. In September 2026, Harmoney gained share of searches among personal lenders in New Zealand, from 6.8% to 8.1%.

  2. In September 2026, MTF Finance gained share of searches among personal lenders in New Zealand, from 13.4% to 14.2%.

  3. In September 2026, Gem by Latitude lost share of searches among personal lenders in New Zealand, from 38.8% to 38%.

  4. In September 2026, Avanti Finance lost share of searches among personal lenders in New Zealand, from 8.9% to 8.3%.

  5. Estimated monthly branded searches for Nectar in New Zealand rose 35.3% over 12 measured months, from 2.5K to 3.4K 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%Shown above
Car finance providers4th of 816%Show ranking
Creator with pink hair and a pink jacket

Is Harmoney your brand?

Put your own campaigns, spend and outcomes next to this demand line, so you can see which of your marketing lined up with the movements above.

Start free