--- title: "Heartland Bank vs MTF Finance: Which is searched more in New Zealand?" description: "Is Heartland Bank or MTF Finance more popular in search? Compare estimated monthly branded-search demand and Share of Search inside the Car finance providers set in New Zealand. Branded searches tell you how often people look for a brand by name or related terms. Comparing these searches across competitors helps you see how popular each brand is over time." canonical: "https://gobrandwave.com/demand/nz/compare/heartland-bank-vs-mtf-finance" publisher: "Brandwave" --- # Heartland Bank vs MTF Finance: Which is searched more in New Zealand? Is Heartland Bank or MTF Finance more popular in search? Compare estimated monthly branded-search demand and Share of Search inside the Car finance providers set in New Zealand. Branded searches tell you how often people look for a brand by name or related terms. Comparing these searches across competitors helps you see how popular each brand is over time. ## Key facts - **Compared**: Heartland Bank and MTF Finance - **Competitive set**: Car finance providers - **Market**: New Zealand - **Month measured**: Sep 2026 - **Heartland Bank Share of Search**: 22.5% - **MTF Finance Share of Search**: 28.2% ## Is Heartland Bank or MTF Finance more popular in search? - In September 2026, MTF Finance had more branded searches than Heartland Bank among car finance providers in New Zealand. MTF Finance had about 18,600 branded searches, while Heartland Bank had 14,800. MTF Finance made up 28.2% of all car finance provider searches we track, and Heartland Bank accounted for 22.5%. - The lead changed hands 2 times in the 12 months ending September 2026: Heartland Bank took it in June 2026, MTF Finance took it in July 2026. - Across the 12 months ending September 2026, Heartland Bank’s share of searches among car finance providers in New Zealand moved from 22.8% to 22.5%, and its estimated monthly branded searches held steady at 14.8K. - Across the 12 months ending September 2026, MTF Finance’s share of searches among car finance providers in New Zealand moved from 31.9% to 28.2%, and its estimated monthly branded searches moved from 20.7K to 18.6K. ## Top car finance providers in ChatGPT and Google AI Overviews In three ChatGPT questions and two Google AI Overviews, Heartland Bank 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 four out of five: in two of the three ChatGPT answers and in both Google AI Overviews. Heartland Bank was listed before MTF Finance in three out of five answers. Brands get a higher AI rank if they are mentioned earlier in the answers that list options. | Brand | AI rank | ChatGPT answers that named it | Google AI Overviews that named it | All answers that named it | | --- | --- | --- | --- | --- | | Simplify | 1st | 3 of 3 | 0 of 2 | 3 of 5 | | AA Money | 2nd | 2 of 3 | 2 of 2 | 4 of 5 | | Heartland Bank | 3rd | 3 of 3 | 1 of 2 | 4 of 5 | | UDC Finance | 4th | 1 of 3 | 2 of 2 | 3 of 5 | | Harmoney | 5th | 2 of 3 | 2 of 2 | 4 of 5 | | MTF Finance | 6th | 2 of 3 | 2 of 2 | 4 of 5 | | Marac | 7th | 1 of 3 | 0 of 2 | 1 of 5 | | Avanti Finance | Not ranked | 0 of 3 | 0 of 2 | 0 of 5 | ## Every AI answer about car finance providers - Asked ChatGPT "Which car finance provider should I use in New Zealand?": 1. Simplify, 2. Harmoney, 3. AA Money, 4. Heartland Bank - Asked ChatGPT "What are the best car finance providers in New Zealand?": 1. Simplify, 2. Heartland Bank, 3. AA Money, 4. UDC Finance, 5. MTF Finance, 6. Marac - Asked ChatGPT "What's the best car finance provider in New Zealand for a car purchase?": 1. Simplify, 2. Heartland Bank, 3. Harmoney, 4. MTF Finance - Searched Google, AI Overview "car finance nz": 1. UDC Finance, 2. AA Money, 3. Harmoney, 4. MTF Finance - Searched Google, AI Overview "car loan nz": 1. MTF Finance, 2. AA Money, 3. UDC Finance, 4. Heartland Bank, 5. Harmoney Not named in any answer: Avanti Finance. Brands are listed in the order each answer named them. The answers were collected in New Zealand on October 20, 2026. ## How did search popularity change for New Zealand car finance providers in September 2026? - In September 2026, MTF Finance gained share of searches among car finance providers in New Zealand, from 27% to 28.2%. - In September 2026, Heartland Bank lost share of searches among car finance providers in New Zealand, from 23.4% to 22.5%. ## Month by month | Month | Heartland Bank estimated searches | Heartland Bank Share of Search | Heartland Bank rank | MTF Finance estimated searches | MTF Finance Share of Search | MTF Finance rank | | --- | --- | --- | --- | --- | --- | --- | | Oct 2025 | 14.8K | 22.8% | 2 | 20.7K | 31.9% | 1 | | Nov 2025 | 14.8K | 23.4% | 2 | 18.5K | 29.3% | 1 | | Dec 2025 | 12.1K | 20.9% | 2 | 17K | 29.2% | 1 | | Jan 2026 | 14.8K | 22.1% | 2 | 20.8K | 31% | 1 | | Feb 2026 | 14.8K | 23.6% | 2 | 18.6K | 29.6% | 1 | | Mar 2026 | 14.8K | 21.5% | 2 | 20.9K | 30.4% | 1 | | Apr 2026 | 14.8K | 23.5% | 2 | 17.1K | 27.2% | 1 | | May 2026 | 14.8K | 23.6% | 2 | 18.6K | 29.6% | 1 | | Jun 2026 | 22.2K | 30.6% | 1 | 18.6K | 25.7% | 2 | | Jul 2026 | 14.8K | 23.6% | 2 | 17K | 27.1% | 1 | | Aug 2026 | 14.8K | 23.4% | 2 | 17.1K | 27% | 1 | | Sep 2026 | 14.8K | 22.5% | 2 | 18.6K | 28.2% | 1 | ## How each brand is measured Brandwave collects information about searches that people make online using Heartland Bank’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. - **Heartland Bank**: Measured on the search term “Heartland Bank”. - **MTF Finance**: Measured on the search terms “finance mtf”, “mtf”, “mtf car finance”, “mtf car loan”, “mtf car loans”, “mtf carlton corner”, “mtf finance”, “mtf finance henderson”, “mtf finance rates”, “mtf loan”, “mtf loans”, “mtf personal loan” and “mtf vehicle finance”, summed into one figure. - [Heartland Bank profile](/demand/nz/brands/heartland-bank) - [MTF Finance profile](/demand/nz/brands/mtf-finance) - [All car finance providers in New Zealand](/demand/nz/categories/nz-car-finance-providers): The set both shares are measured inside, 8 brands. ## Methodology - [How is the Brand Demand Index measured?](/demand/methodology): Where the figures come from, what they compare, and how they may be reused. ## Frequently asked questions ### Is Heartland Bank or MTF Finance more popular in search? In September 2026, MTF Finance had more branded searches than Heartland Bank among car finance providers in New Zealand. MTF Finance had about 18,600 branded searches, while Heartland Bank had 14,800. MTF Finance made up 28.2% of all car finance provider searches we track, and Heartland Bank accounted for 22.5%. ## Cite this page Brandwave. "Heartland Bank vs MTF Finance: Which is searched more in New Zealand?". https://gobrandwave.com/demand/nz/compare/heartland-bank-vs-mtf-finance This page is also available as HTML at https://gobrandwave.com/demand/nz/compare/heartland-bank-vs-mtf-finance. Brandwave publishes an index of its Markdown pages at https://gobrandwave.com/llms.txt.