Brandwave

Harmoney vs UDC Finance:Which is more popular?

In September 2026, Harmoney had more branded searches than UDC Finance among car finance providers in New Zealand. Harmoney had about 10,600 branded searches, while UDC Finance had 9,900. Harmoney made up 16% of all car finance provider searches we track, and UDC Finance accounted for 15%. When we asked ChatGPT and Google AI Overviews about car finance providers, Harmoney appeared in four of the five answers and UDC Finance in three. UDC Finance was mentioned before Harmoney in three out of five answers.

Among car finance providers in New Zealand in September 2026

Who do people search for more?

Harmoney, about 7% more searches than UDC Finance

Harmoney 10.6K searchesUDC Finance 9.9K searches

Who does AI mention more?

Harmoney, mentioned in 4 of 5 answers, UDC Finance in 3

Harmoney in 4 of 5UDC Finance in 3 of 5

Who does AI recommend more?

UDC Finance, named ahead of Harmoney in 3 of 5 answers

UDC Finance first in 3Harmoney first in 2

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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. UDC Finance was mentioned in three out of five: in one of the three ChatGPT answers and in both Google AI Overviews. UDC Finance was listed before Harmoney in three out of five answers.

Most recommended by AI

Brands get a higher ranking if they are mentioned earlier in the answers.

  1. Simplify1st
  2. AA Money2nd
  3. Heartland Bank3rd
  4. UDC Finance4th
  5. Harmoney5th
  6. MTF Finance6th
  7. Marac7th
  8. 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

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 UDC Finance more popular in search?

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

Harmoney and UDC Finance among car finance providers in New Zealand, by month

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

View monthly share of searches table
MonthMTF FinanceHeartland BankAvanti FinanceHarmoneyUDC FinanceSimplifyMaracAA Money
Oct 202531.9%22.8%14%16.2%12.5%0.6%1.1%0.76%
Nov 202529.3%23.4%14.4%17.3%12.8%0.7%1.2%0.84%
Dec 202529.2%20.9%15.1%18.3%14%0.74%1.1%0.74%
Jan 202631%22.1%13.5%15.9%14.8%0.82%1.1%0.79%
Feb 202629.6%23.6%14.5%16.9%12.9%0.73%0.97%0.73%
Mar 202630.4%21.5%15.8%15.5%14.4%0.96%0.89%0.58%
Apr 202627.2%23.5%14.4%16.7%15.7%0.87%0.99%0.64%
May 202629.6%23.6%14.6%16.9%12.9%0.88%1%0.56%
Jun 202625.7%30.6%15.6%12.3%13.7%0.73%0.86%0.44%
Jul 202627.1%23.6%17.3%14.1%15.8%0.83%0.8%0.51%
Aug 202627%23.4%17.9%13.8%15.7%0.9%0.81%0.58%
Sep 202628.2%22.5%16.5%16%15%0.67%0.62%0.53%

How has the Harmoney and UDC Finance comparison changed over the last 12 months?

3 findings
  • The lead changed hands 2 times in the 12 months ending September 2026: UDC Finance took it in June 2026, Harmoney took it in 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, UDC Finance’s share of searches among car finance providers in New Zealand moved from 12.5% to 15%, and its estimated monthly branded searches moved from 8.1K to 9.9K.

How did search popularity change for New Zealand car finance providers in September 2026?

2 changes

  1. In September 2026, Harmoney overtook UDC Finance to rank 4th among car finance providers in New Zealand, with 16% of the searches.

  2. In September 2026, UDC Finance lost share of searches among car finance providers in New Zealand, from 15.7% to 15%.

How are branded searches counted?

11 search terms

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

UDC Finance

2 branded search terms

  • udc finance
  • udcfinance

How the Brand Demand Index is measured

Other head-to-heads among car finance providers

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