Brandwave

Harmoney vs Nectar:Which is more popular in New Zealand?

In October 2026, Harmoney had more branded searches than Nectar among personal lenders in New Zealand. Harmoney had about 8,600 branded searches, while Nectar had 3,670. Harmoney made up 7% of all personal lender searches we track, and Nectar accounted for 3%. When we asked ChatGPT and Google AI Overviews about personal lenders, Harmoney appeared in four of the five answers and Nectar in none.

Among personal lenders in New Zealand in October 2026

Who do people search for more?

Harmoney, about 2 searches for every 1 for Nectar

Harmoney 8.6K searchesNectar 3.7K searches

Who does AI mention more?

Harmoney, mentioned in 4 of 5 answers, Nectar in 0

Harmoney in 4 of 5Nectar in 0 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. Nectar 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?”

    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 Nectar more popular in search?

This chart shows how often people search Google for Harmoney and Nectar 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 Nectar among personal lenders in New Zealand, by month

Share of searches by month for Harmoney, Nectar. 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 Nectar changed in New Zealand over the last 12 months?

3 findings
  • Harmoney was ahead of Nectar 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, Nectar’s share of searches among personal lenders in New Zealand moved from 2% to 3%, and its estimated monthly branded searches moved from 2.6K to 3.7K.

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

2 changes

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

  2. Estimated monthly branded searches for Nectar in New Zealand rose 38.5% over 12 measured months, from 2.6K to 3.7K in October 2026.

How are Harmoney’s and Nectar’s branded searches counted?

13 search terms

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

Nectar

4 branded search terms

  • nectar finance
  • nectar loan
  • nectar loans
  • nectar money

How the Brand Demand Index is measured

Other head-to-heads among personal lenders

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