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

The costs to a financial institution are too high to take on such a small loan for such a long time. Things like document preparation, posting payments, compliance costs, collections, statements, credit review and on and on all cost money, and those costs are virtually the same on a Million Dollar loan as they are on your proposed $9,000 loan. The loan terms you are looking for would make it nearly impossible for the lending institution to make a profit at any reasonable interest rate. And on top of that, they realize that a cheap trailer isn't going to be worth anything 10 years from now, so they will never have an equity situation should the loan go bad.