Marac vs Simplify:Which is more popular?
In September 2026, Marac and Simplify were level in searches among car finance providers in New Zealand, with an estimated 410 versus 440 branded searches, at 0.62% and 0.67% of the total. When we asked ChatGPT and Google AI Overviews about car finance providers, Simplify appeared in three of the five answers and Marac in one. Simplify was mentioned before Marac in every answer that named either.
Who do people search for more?
Simplify, about 7% more searches than Marac
Who does AI mention more?
Simplify, mentioned in 3 of 5 answers, Marac in 1
Who does AI recommend more?
Simplify, named ahead of Marac in 3 of 3 answers
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Top car finance providers in ChatGPT and Google AI Overviews
In three ChatGPT questions and two Google AI Overviews, Simplify was mentioned in three out of five: in all three ChatGPT answers, but not in either of the two Google AI Overviews. Marac was mentioned in one out of five: in one of the three ChatGPT answers, but not in either of the two Google AI Overviews. Simplify was listed before Marac in every answer that named either.
Most recommended by AI
Brands get a higher ranking if they are mentioned earlier in the answers.
- Simplify1st
AA Money2nd
Heartland Bank3rd
UDC Finance4th
Harmoney5th
MTF Finance6th- Marac7th
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
Asked ChatGPT
“Which car finance provider should I use in New Zealand?”
Asked ChatGPT
“What are the best car finance providers in New Zealand?”
Asked ChatGPT
“What's the best car finance provider in New Zealand for a car purchase?”
Searched Google, AI Overview
“car finance nz”
Searched Google, AI Overview
“car loan 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 20, 2026.
Is Marac or Simplify more popular in search?
This chart shows how often people search Google for Marac and Simplify 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.
Share of searches by month for Simplify, Marac. The figures are in the table below the chart.
View monthly share of searches table
| Month | MTF Finance | Heartland Bank | Avanti Finance | Harmoney | UDC Finance | Simplify | Marac | AA Money |
|---|---|---|---|---|---|---|---|---|
| Oct 2025 | 31.9% | 22.8% | 14% | 16.2% | 12.5% | 0.6% | 1.1% | 0.76% |
| Nov 2025 | 29.3% | 23.4% | 14.4% | 17.3% | 12.8% | 0.7% | 1.2% | 0.84% |
| Dec 2025 | 29.2% | 20.9% | 15.1% | 18.3% | 14% | 0.74% | 1.1% | 0.74% |
| Jan 2026 | 31% | 22.1% | 13.5% | 15.9% | 14.8% | 0.82% | 1.1% | 0.79% |
| Feb 2026 | 29.6% | 23.6% | 14.5% | 16.9% | 12.9% | 0.73% | 0.97% | 0.73% |
| Mar 2026 | 30.4% | 21.5% | 15.8% | 15.5% | 14.4% | 0.96% | 0.89% | 0.58% |
| Apr 2026 | 27.2% | 23.5% | 14.4% | 16.7% | 15.7% | 0.87% | 0.99% | 0.64% |
| May 2026 | 29.6% | 23.6% | 14.6% | 16.9% | 12.9% | 0.88% | 1% | 0.56% |
| Jun 2026 | 25.7% | 30.6% | 15.6% | 12.3% | 13.7% | 0.73% | 0.86% | 0.44% |
| Jul 2026 | 27.1% | 23.6% | 17.3% | 14.1% | 15.8% | 0.83% | 0.8% | 0.51% |
| Aug 2026 | 27% | 23.4% | 17.9% | 13.8% | 15.7% | 0.9% | 0.81% | 0.58% |
| Sep 2026 | 28.2% | 22.5% | 16.5% | 16% | 15% | 0.67% | 0.62% | 0.53% |
How has the Marac and Simplify comparison changed over the last 12 months?
3 findings
- The lead changed hands 3 times in the 12 months ending September 2026: Simplify took it in March 2026, Marac took it in April 2026, Simplify took it in July 2026.
- Across the 12 months ending September 2026, Marac’s share of searches among car finance providers in New Zealand moved from 1.1% to 0.62%, and its estimated monthly branded searches moved from 740 to 410.
- Across the 12 months ending September 2026, Simplify’s share of searches among car finance providers in New Zealand moved from 0.6% to 0.67%, and its estimated monthly branded searches moved from 390 to 440.
How did search popularity change for New Zealand car finance providers in September 2026?
2 changes
How are branded searches counted?
5 search terms
Brandwave collects information about searches that people make online using Marac’s and Simplify’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.
Other head-to-heads among car finance providers
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