Harmoney vs Instant Finance:Which is more popular in New Zealand?
In October 2026, Instant Finance had more branded searches than Harmoney among personal lenders in New Zealand. Instant Finance had about 15,600 branded searches, while Harmoney had 8,600. Instant Finance made up 12.7% of all personal lender searches we track, and Harmoney accounted for 7%. When we asked ChatGPT and Google AI Overviews about personal lenders, Harmoney appeared in four of the five answers and Instant Finance in none.
Who do people search for more?
Instant Finance, about 81% more searches than Harmoney
Who does AI mention more?
Harmoney, mentioned in 4 of 5 answers, Instant Finance in 0
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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. Instant Finance did not appear in any of the five answers.
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?”
Asked ChatGPT
“What are the best personal lenders in New Zealand?”
Asked ChatGPT
“What's the best personal lender in New Zealand for a personal loan?”
Searched Google, AI Overview
“personal loan nz”
Searched Google, AI Overview
“non bank lenders nz”
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.
Is Harmoney or Instant Finance more popular in search?
This chart shows how often people search Google for Harmoney and Instant Finance by name. Each line represents a brand's share of searches for all seven personal lenders we track, month by month, from searches in New Zealand.
Share of searches by month for Instant Finance, Harmoney. The figures are in the table below the chart.
View monthly share of searches table
| Month | Gem by Latitude | Finance Now | MTF Finance | Instant Finance | Avanti Finance | Harmoney | Nectar |
|---|---|---|---|---|---|---|---|
| Nov 2025 | 38.5% | 16.7% | 13.8% | 14.1% | 6.8% | 8.1% | 2% |
| Dec 2025 | 40.1% | 17% | 12.9% | 14.3% | 5.5% | 8% | 2.1% |
| Jan 2026 | 39.1% | 16.8% | 15.5% | 11.5% | 6.8% | 8% | 2.3% |
| Feb 2026 | 36.4% | 18.7% | 15.5% | 10.6% | 7.6% | 8.8% | 2.3% |
| Mar 2026 | 38.9% | 16.7% | 15.6% | 11.5% | 6.8% | 8% | 2.5% |
| Apr 2026 | 37.4% | 18.2% | 13.9% | 12.5% | 7.4% | 8.5% | 2.2% |
| May 2026 | 38.5% | 17.5% | 14.5% | 12% | 7.1% | 8.3% | 2.1% |
| Jun 2026 | 39.6% | 17.4% | 14.5% | 12% | 7.4% | 7% | 2.2% |
| Jul 2026 | 37.8% | 18.4% | 14% | 12.6% | 7.4% | 7.2% | 2.5% |
| Aug 2026 | 38.8% | 17.6% | 13.4% | 12.1% | 8.9% | 6.8% | 2.4% |
| Sep 2026 | 38% | 17.1% | 14.2% | 11.8% | 8.3% | 8.1% | 2.6% |
| Oct 2026 | 40.7% | 15.1% | 14% | 12.7% | 7.4% | 7% | 3% |
How has branded search for Harmoney and Instant Finance changed in New Zealand over the last 12 months?
3 findings
- Instant Finance was ahead of Harmoney in every measured month of the 12 months ending October 2026.
- Across the 12 months ending October 2026, Harmoney’s share of searches among personal lenders in New Zealand moved from 8.1% to 7%, and its estimated monthly branded searches moved from 10.9K to 8.6K.
- Across the 12 months ending October 2026, Instant Finance’s share of searches among personal lenders in New Zealand moved from 14.1% to 12.7%, and its estimated monthly branded searches moved from 18.9K to 15.6K.
How did search popularity change for New Zealand personal lenders in October 2026?
2 changes
In October 2026, Instant Finance gained share of searches among personal lenders in New Zealand, from 11.8% to 12.7%.
In October 2026, Harmoney lost share of searches among personal lenders in New Zealand, from 8.1% to 7%.
How are Harmoney’s and Instant Finance’s branded searches counted?
12 search terms
Brandwave collects information about searches that people make online using Harmoney’s and Instant Finance’s names. When viewed over time, estimated search volumes for these branded terms can be used to understand whether interest in the brands is growing, holding steady, or fading.
Harmoney
9 branded search terms
- harmoney
- harmoney car loan
- harmoney car loans
- harmoney finance
- harmoney lender
- harmoney loan
- harmoney loans
- harmoney personal loan
- harmoney personal loans
Instant Finance
3 branded search terms
- instant finance
- instant finance hamilton
- instant finance loans
Other head-to-heads among personal lenders
- Gem by Latitude vs Finance Now: compare popularity
- Gem by Latitude vs MTF Finance: compare popularity
- Gem by Latitude vs Instant Finance: compare popularity
- Gem by Latitude vs Avanti Finance: compare popularity
- Finance Now vs MTF Finance: compare popularity
- Finance Now vs Instant Finance: compare popularity
Put your own brand in this comparison
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