My Financing USA

Name

My Financing USA

Legal name

Bailey Carrier Capital, Inc.

Website

https://myfinancingusa.com

Company type

Private

Founded year

2003

Operating status

Operating

Ownership category

akta.pro rank

Product category

Consumer Lending / Loan Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG)

akta.pro secondary industry

Retail Credit (Closed-End) & Promotional Financing (0%/Deferred Interest) (FSAKAFAF)

Keywords

• Loan brokerage services
• RV financing
• Boat loans
• Recreational vehicle lending
• Consumer loan marketplace

Headquarters

HQ city

Louisville

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Technology or R&D, Operations

Revenue model

1. Document/Origination Fees: The company charges document fees ranging from $495-$795 (standard) up to $495-$2995 (terms and conditions page) for their brokering services. This fee is financed into the loan amount at closing. They do not charge an application fee.
2. Lender Referral Commissions: As a loan broker/marketplace, My Financing USA earns referral fees or commissions from lenders when they successfully match borrowers with appropriate financing programs. The company searches nationwide to find the best RV and boat financing programs for customers.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

My Financing USA is an online loan brokerage that matches individual borrowers with a nationwide network of lenders for RV, boat, motorhome, and other recreational vehicle financing. The platform accepts applicants across the credit spectrum (550 minimum credit score) and offers loan amounts starting at $10,000 with terms up to 20 years and APRs from 5.99% to 19.95%. The company earns revenue through lender referral commissions and document/origination fees financed into the loan amount at closing.

Product overview

My Financing USA operates as a nationwide loan brokerage platform connecting borrowers with lenders for recreational vehicle and boat financing. The core offering consists of loan products across multiple categories: RV Loans (including travel trailers, fifth wheels, toy haulers), Boat Loans (bass boats, pontoon boats, yachts, jet skis, catamarans), Motorhome Financing, and Camper Loans. Additional products include ATV/UTV financing, horse trailer loans, and refinancing options for both boats and RVs. The platform differentiates by serving all credit types with a minimum credit score requirement of 550, offering terms up to 20 years, loan amounts starting at $10,000, and APR rates ranging from 5.99% to 19.95%. Supplementary services include credit consulting, warranty protection, extended service contracts, and diesel discounts. The company operates exclusively online with a DigiCert Norton VeriSign secured website and is a contributing member of RVIA, RVDA, and NMLA.

Differentiator

Problem solved

Functional benefit

Products and services

• RV Loans

Quantifiable outcome

• 22 years in business with $16.2 billion in applications processed
• +3 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered core.

• RV Industry Association (RVIA)coreOthersContributing and accredited member of RVIA. This membership provides industry credibility and ensures compliance with RV industry standards.
• RV Dealer Association (RVDA)coreOthersContributing and accredited member of RVDA. This membership connects the company with RV dealers across the nation.
• National Marine Lenders Association (NMLA)coreOthersContributing and accredited member of NMLA. This membership provides industry credibility in the marine lending space.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• LendingTree: LendingTree operates a much broader online lending marketplace across mortgages, personal loans, auto, and small business. It is comparable as a multi-vertical loan brokerage/marketplace business model, though it is far larger and more diversified than My Financing USA's RV/boat specialty focus.
• LightStream: LightStream (a Truist brand) originates online unsecured loans for purposes including RVs and boats. It competes for the same large-purchase borrower but as a direct lender rather than a broker, making it a useful incumbent comparable for product overlap even though the business model differs.
• Synchrony Financial: Synchrony is one of the largest private-label and installment lenders in the U.S., with deep recreational vehicle and marine financing partnerships through dealers. Comparable as a major institutional supplier of capital in the RV/boat credit ecosystem that My Financing USA routes borrowers to.
• SunTrust (now Truist) / Essex Credit: Essex Credit, a division of Bank of America, specializes in marine and RV financing through dealer relationships. It is one of the most established direct lender competitors in the boat/RV loan space and competes for the same dealer channel as My Financing USA.

Direct peers

• RefiJet: RefiJet is an auto refinancing broker specializing in matching borrowers with lenders for vehicle loan refinancing. It is a direct comparable as a specialty refinance brokerage using a nationwide lender network model similar to My Financing USA's boat refinancing product.
• RateGenius: RateGenius is an online auto refinance loan marketplace that matches borrowers with lenders for vehicle refinancing. It is a direct peer as a specialty consumer loan broker with the same lender-matching business model, focused on vehicle refinance use cases.

Regional players

• Alliant Credit Union: Alliant offers recreational vehicle and boat loans to its members, and is one of many credit unions that compete for prime-credit RV/boat borrowers. Comparable as a specialty asset lender in the same asset classes, though it serves a defined membership rather than operating an open marketplace.
• Bank of the West / Tri Counties Bank RV/Boat Lending: Regional and community banks offer recreational vehicle loans as part of consumer lending portfolios. They are comparable as competing sources of RV/boat credit, particularly for prime borrowers in their footprints.

Emerging players

• BoatUS (Boat Owners Association of the United States): BoatUS is a membership organization that historically facilitated boat loans through partner lenders. Comparable as a boat-focused consumer-facing financing intermediary targeting the same recreational marine buyer.
• GoodLeap (formerly Loanpal): GoodLeap operates point-of-sale lending marketplaces for home improvement, solar, and other specialty verticals. Comparable as a digitally native specialty finance marketplace/broker with a similar online origination and lender-matching model in an adjacent vertical.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/myfinancingusa
• Instagraminstagram.com/myfinancingusa
• LinkedInlinkedin.com/company/my-financing-usa

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about My Financing USA