Brandwave

Simplify vs UDC Finance:Which is more popular?

In September 2026, UDC Finance had more branded searches than Simplify among car finance providers in New Zealand. UDC Finance had about 9,900 branded searches, while Simplify had 440. UDC Finance made up 15% of all car finance provider searches we track, and Simplify accounted for 0.67%. When we asked ChatGPT and Google AI Overviews about car finance providers, Simplify and UDC Finance each appeared in three of the five answers. Simplify was mentioned before UDC Finance in three out of five answers.

Among car finance providers in New Zealand in September 2026

Who do people search for more?

UDC Finance, about 23 searches for every 1 for Simplify

UDC Finance 9.9K searchesSimplify 440 searches

Who does AI mention more?

Both were mentioned in 3 of 5 answers.

Simplify in 3 of 5UDC Finance in 3 of 5

Who does AI recommend more?

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

Simplify first in 3UDC Finance 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, Simplify was mentioned in three out of five: in all three ChatGPT answers, but not in either of the two 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. Simplify was listed before UDC Finance 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 Simplify or UDC Finance more popular in search?

This chart shows how often people search Google for Simplify 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.

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

Share of searches by month for UDC Finance, Simplify. 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 Simplify and UDC Finance comparison changed over the last 12 months?

3 findings

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

3 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%.

  3. Estimated monthly branded searches for Simplify in New Zealand rose 12.8% over 12 measured months, from 390 to 440 in September 2026.

How are branded searches counted?

4 search terms

Brandwave collects information about searches that people make online using Simplify’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.

Simplify

2 branded search terms

  • simplify car finance
  • simplify finance

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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