Harmoney vs Marac:Which is more popular?
In September 2026, Harmoney had more branded searches than Marac among car finance providers in New Zealand. Harmoney had about 10,600 branded searches, while Marac had 410. Harmoney made up 16% of all car finance provider searches we track, and Marac accounted for 0.62%. When we asked ChatGPT and Google AI Overviews about car finance providers, Harmoney appeared in four of the five answers and Marac in one. Harmoney was mentioned before Marac in four out of five answers.
Who do people search for more?
Harmoney, about 26 searches for every 1 for Marac
Who does AI mention more?
Harmoney, mentioned in 4 of 5 answers, Marac in 1
Who does AI recommend more?
Harmoney, named ahead of Marac in 4 of 5 answers
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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. Marac was mentioned in one out of five: in one of the three ChatGPT answers, but not in either of the two Google AI Overviews. Harmoney was listed before Marac in four out of five answers.
Most recommended by AI
Brands get a higher ranking if they are mentioned earlier in the answers.
Simplify1st
AA Money2nd
Heartland Bank3rd
UDC Finance4th- Harmoney5th
MTF Finance6th- Marac7th
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
Asked ChatGPT
“Which car finance provider should I use in New Zealand?”
Asked ChatGPT
“What are the best car finance providers in New Zealand?”
Asked ChatGPT
“What's the best car finance provider in New Zealand for a car purchase?”
Searched Google, AI Overview
“car finance nz”
Searched Google, AI Overview
“car loan 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 20, 2026.
Is Harmoney or Marac more popular in search?
This chart shows how often people search Google for Harmoney and Marac by name. Each line represents a brand's share of searches for all eight car finance providers we track, month by month, from searches in New Zealand.
Share of searches by month for Harmoney, Marac. The figures are in the table below the chart.
View monthly share of searches table
| Month | MTF Finance | Heartland Bank | Avanti Finance | Harmoney | UDC Finance | Simplify | Marac | AA Money |
|---|---|---|---|---|---|---|---|---|
| Oct 2025 | 31.9% | 22.8% | 14% | 16.2% | 12.5% | 0.6% | 1.1% | 0.76% |
| Nov 2025 | 29.3% | 23.4% | 14.4% | 17.3% | 12.8% | 0.7% | 1.2% | 0.84% |
| Dec 2025 | 29.2% | 20.9% | 15.1% | 18.3% | 14% | 0.74% | 1.1% | 0.74% |
| Jan 2026 | 31% | 22.1% | 13.5% | 15.9% | 14.8% | 0.82% | 1.1% | 0.79% |
| Feb 2026 | 29.6% | 23.6% | 14.5% | 16.9% | 12.9% | 0.73% | 0.97% | 0.73% |
| Mar 2026 | 30.4% | 21.5% | 15.8% | 15.5% | 14.4% | 0.96% | 0.89% | 0.58% |
| Apr 2026 | 27.2% | 23.5% | 14.4% | 16.7% | 15.7% | 0.87% | 0.99% | 0.64% |
| May 2026 | 29.6% | 23.6% | 14.6% | 16.9% | 12.9% | 0.88% | 1% | 0.56% |
| Jun 2026 | 25.7% | 30.6% | 15.6% | 12.3% | 13.7% | 0.73% | 0.86% | 0.44% |
| Jul 2026 | 27.1% | 23.6% | 17.3% | 14.1% | 15.8% | 0.83% | 0.8% | 0.51% |
| Aug 2026 | 27% | 23.4% | 17.9% | 13.8% | 15.7% | 0.9% | 0.81% | 0.58% |
| Sep 2026 | 28.2% | 22.5% | 16.5% | 16% | 15% | 0.67% | 0.62% | 0.53% |
How has the Harmoney and Marac comparison changed over the last 12 months?
3 findings
- Harmoney was ahead of Marac in every measured month of the 12 months ending September 2026.
- Across the 12 months ending September 2026, Harmoney’s share of searches among car finance providers in New Zealand moved from 16.2% to 16%, and its estimated monthly branded searches moved from 10.5K to 10.6K.
- Across the 12 months ending September 2026, Marac’s share of searches among car finance providers in New Zealand moved from 1.1% to 0.62%, and its estimated monthly branded searches moved from 740 to 410.
How did search popularity change for New Zealand car finance providers in September 2026?
2 changes
In September 2026, Harmoney overtook UDC Finance to rank 4th among car finance providers in New Zealand, with 16% of the searches.
Estimated monthly branded searches for Marac in New Zealand fell 44.6% over 12 measured months, from 740 to 410 in September 2026.
How are branded searches counted?
12 search terms
Brandwave collects information about searches that people make online using Harmoney’s and Marac’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.
Other head-to-heads among car finance providers
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