First off, there's far too much ambiguity in the OP's initial post for anyone to unequivocally provide an answer. The OP says only that they're looking at rates for a new trailer. Is that a Coleman or an Airstream? Is it a popup or the biggest, baddest 5er on the lot? We talking about a 3 year loan or a 15 year loan? Is the OP's credit great, decent, sufficient, or just plain horrific?
A rate of 5.39% might not be out of line depending on the circumstances. Not trying to be critical of the OP, but some of the responses have interjected answers to questions that weren't asked.
Secondly, the borrower shouldbn't be concerned with how many people are in line (or who it is) that's getting a kickback on the rate.
Thirdly, adding more middle-men does not always mean that the rate is always going to be higher. It probably is a good indicator that the rate may tend to be higher, but its not an automatic.
Fourthly, any time this question comes up, there are those who suggest going to your local credit union. Well in some cases (not all), you have to be a member of that credit union to work with them. In some cases, the credit union is limited in what services/terms they can provide based on local regulations.
If you get the overall terms you're satisfied with, then a half a percent one way or another isn't going to make much difference. I always suggest shopping around enough to get what makes you happy. And yes, I used CW/Good Sams to finance my rig and was happy with the transaction.
Duramax + Grand Design 5er + B & W Companion
SBGTF
