Dealers get kickbacks and profit for selling extended warranties which is why they push so hard to sell them. You can get an aftermarket warranty if you really wanted for much less. Some swear by them but most feel that if you put the money you would spend on a warranty in the bank to handle issues as they arise, you'll be ahead of the game. As far as rates, you can shop around but dealers are usually good at shopping loans. And paying for PDI - dealer inspection is ridiculous - especially $1k on a TT. They should be required by law to inspect it before they can sell it. And cleaning - isn't that sales 101. Tell them it's clean enough. I don't like the cleaning chemicals rv dealers use anyway. I'd rather use my own.