Trying to finance a Travel Trailer under 10k for 144 mths.

I found just the opposite back in '06 when we bought our ROO. My credit union wanted a large down, short term, higher interest. They were great when we financed our vehicles, but weren't at all competitive on RVs. The dealer handled financing on both our HTT and TT (RVW) and we got an excellent rate. You might want to see if your bank would be interested in either just a signature loan or a home improvement loan, aka "a second". Buying new you tend to get a better rate and longer period, but you should be able to find something reasonable. Good luck.