Instant Finance vs MTF Finance:Which is more popular in New Zealand?
In October 2026, MTF Finance had more branded searches than Instant Finance among personal lenders in New Zealand. MTF Finance had about 17,200 branded searches, while Instant Finance had 15,600. MTF Finance made up 14% of all personal lender searches we track, and Instant Finance accounted for 12.7%. When we asked ChatGPT and Google AI Overviews about personal lenders, MTF Finance appeared in one of the five answers and Instant Finance in none.
Who do people search for more?
MTF Finance, about 10% more searches than Instant Finance
Who does AI mention more?
MTF Finance, mentioned in 1 of 5 answers, Instant Finance in 0
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Top personal lenders in ChatGPT and Google AI Overviews
In three ChatGPT questions and 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. Instant Finance 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?”
Asked ChatGPT
“What are the best personal lenders in New Zealand?”
Asked ChatGPT
“What's the best personal lender in New Zealand for a personal loan?”
Searched Google, AI Overview
“personal loan nz”
Searched Google, AI Overview
“non bank lenders 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 19, 2026.
Is Instant Finance or MTF Finance more popular in search?
This chart shows how often people search Google for Instant Finance 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.
Share of searches by month for MTF Finance, Instant Finance. The figures are in the table below the chart.
View monthly share of searches table
| Month | Gem by Latitude | Finance Now | MTF Finance | Instant Finance | Avanti Finance | Harmoney | Nectar |
|---|---|---|---|---|---|---|---|
| Nov 2025 | 38.5% | 16.7% | 13.8% | 14.1% | 6.8% | 8.1% | 2% |
| Dec 2025 | 40.1% | 17% | 12.9% | 14.3% | 5.5% | 8% | 2.1% |
| Jan 2026 | 39.1% | 16.8% | 15.5% | 11.5% | 6.8% | 8% | 2.3% |
| Feb 2026 | 36.4% | 18.7% | 15.5% | 10.6% | 7.6% | 8.8% | 2.3% |
| Mar 2026 | 38.9% | 16.7% | 15.6% | 11.5% | 6.8% | 8% | 2.5% |
| Apr 2026 | 37.4% | 18.2% | 13.9% | 12.5% | 7.4% | 8.5% | 2.2% |
| May 2026 | 38.5% | 17.5% | 14.5% | 12% | 7.1% | 8.3% | 2.1% |
| Jun 2026 | 39.6% | 17.4% | 14.5% | 12% | 7.4% | 7% | 2.2% |
| Jul 2026 | 37.8% | 18.4% | 14% | 12.6% | 7.4% | 7.2% | 2.5% |
| Aug 2026 | 38.8% | 17.6% | 13.4% | 12.1% | 8.9% | 6.8% | 2.4% |
| Sep 2026 | 38% | 17.1% | 14.2% | 11.8% | 8.3% | 8.1% | 2.6% |
| Oct 2026 | 40.7% | 15.1% | 14% | 12.7% | 7.4% | 7% | 3% |
How has branded search for Instant Finance and MTF Finance changed in New Zealand over the last 12 months?
3 findings
- The lead changed hands once in the 12 months ending October 2026: MTF Finance took it in January 2026.
- Across the 12 months ending October 2026, Instant Finance’s share of searches among personal lenders in New Zealand moved from 14.1% to 12.7%, and its estimated monthly branded searches moved from 18.9K to 15.6K.
- 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
In October 2026, Instant Finance gained share of searches among personal lenders in New Zealand, from 11.8% to 12.7%.
How are Instant Finance’s and MTF Finance’s branded searches counted?
15 search terms
Brandwave collects information about searches that people make online using Instant Finance’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.
Instant Finance
3 branded search terms
- instant finance
- instant finance hamilton
- instant finance 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
Other head-to-heads among personal lenders
- Gem by Latitude vs Finance Now: compare popularity
- Gem by Latitude vs MTF Finance: compare popularity
- Gem by Latitude vs Instant Finance: compare popularity
- Gem by Latitude vs Avanti Finance: compare popularity
- Finance Now vs MTF Finance: compare popularity
- Finance Now vs Instant Finance: compare popularity
Put your own brand in this comparison
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