When I bought, some of the banks I checked for financing didn't seem that interested in offering terms for someone with good credit who was making a large down payment and only financing for 6 years. Their RV loans seemed to be geared towards those who would be under water from the start and financing for 10-15 years. The dealer ended up having a pretty good rate thru Bank of the West, so it worked out. I emphasized to the dealer that they'd have to be competitive since I had other options, but don't really know if that helped get a better deal. It's best to do some leg work to make sure you get a loan rate commensurate with that good credit score, it doesn't seem to happen automatically.