About to purchase- Finance questions

Doubt the credit score would drop 69 points based on an auto loan--they are considered secure--more like 20 points especially if you make your payments on time. Interest rate may go down on a loan with a bigger loan or a shorter term. Longer term carries more risk for the bank so higher rate. Best approach is to get preapproved at a bank or CU one with experience with you if you have a good track record. Then go in and let the dealer rv or auto try to beat it. My rv dealer couldn't beat 4.99 that I got from the bank that did my previous rv loan. RVs are considered more risky than cars and will demand higher rates. Go see what a bank will offer and get them to tell you your score. Don't get worked up if it is way better. Just take any lower rate that you find and go buy the trailer. Most powerful technique with dealer is the word NO--forget using logic with a dealer.