Brandwave

Harmoney vs MTF Finance:Which is more popular in New Zealand?

In October 2026, MTF Finance had more branded searches than Harmoney among personal lenders in New Zealand. MTF Finance had about 17,200 branded searches, while Harmoney had 8,600. MTF Finance made up 14% 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 MTF Finance in one.

Among personal lenders in New Zealand in October 2026

Who do people search for more?

MTF Finance, about 2 searches for every 1 for Harmoney

MTF Finance 17.1K searchesHarmoney 8.6K searches

Who does AI mention more?

Harmoney, mentioned in 4 of 5 answers, MTF Finance in 1

Harmoney in 4 of 5MTF Finance in 1 of 5

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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. MTF Finance was mentioned in one out of five: not in any of the three ChatGPT answers, but 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.

Is Harmoney or MTF Finance more popular in search?

This chart shows how often people search Google for Harmoney and MTF 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.

Harmoney and MTF Finance among personal lenders in New Zealand, by month

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

View monthly share of searches table
MonthGem by LatitudeFinance NowMTF FinanceInstant FinanceAvanti FinanceHarmoneyNectar
Nov 202538.5%16.7%13.8%14.1%6.8%8.1%2%
Dec 202540.1%17%12.9%14.3%5.5%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 202638.9%16.7%15.6%11.5%6.8%8%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 202639.6%17.4%14.5%12%7.4%7%2.2%
Jul 202637.8%18.4%14%12.6%7.4%7.2%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%
Oct 202640.7%15.1%14%12.7%7.4%7%3%

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

3 findings
  • MTF 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, MTF Finance’s share of searches among personal lenders in New Zealand moved from 13.8% to 14%, and its estimated monthly branded searches moved from 18.5K to 17.1K.

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

1 change

  1. In October 2026, Harmoney lost share of searches among personal lenders in New Zealand, from 8.1% to 7%.

How are Harmoney’s and MTF Finance’s branded searches counted?

21 search terms

Brandwave collects information about searches that people make online using Harmoney’s and MTF 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

MTF Finance

12 branded search terms

  • finance mtf
  • mtf
  • mtf car loan
  • mtf carlton corner
  • mtf finance
  • mtf finance henderson
  • mtf finance rates
  • mtf loan
  • mtf loans
  • mtf personal loan
  • mtf personal loans
  • mtf vehicle finance

How the Brand Demand Index is measured

Other head-to-heads among personal lenders

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