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

I strongly suggest that you read the post by RVhippo and keep rereading it until it becomes a mantra. Simply put, nobody needs an rv, they are a want. If you WANT one and NEED to stretch the payments out for twelve years, because you cannot handle an extra $70-90/month for a reasonable length loan, you cannot afford one. Doesn't matter if it's a $75K Class A, or a low end travel trailer. You don't need it, and you can't afford it. While shopping for a used Gas powered class A, I met many decent folks with really nice rigs that I would of loved to own. The issue is that they were WAY upside down on their loans, and praying that somebody would come along and offer them enough money to dig themselves out of the hole that they created. This becomes a downward spiral as the rig continues to depreciate rapidly, and they are still behind the curve, failing to get to the tipping point as they continue to make payments.

Obviously, the details of a low cost trailer are a little less gruesome, but it's not hard to see a scenario when your situation changes, you NEED to get rid of the thing, and many years from now, STILL owe thousands more than any rational buyer would ever think of giving you.