We got ours 10 years at around 5.25% (IIRC, maybe less, it's been a little while...). We'll save on interest and pay it off early, that's what we always do. But I knew my credit score (very high), and what my Credit Union could do before I ever began shopping. I told the dealership finance department the particulars and put him to work to try to beat what I could get on my own, and he did.
2014 Jay Flight 28 BHBE
2015 RAM 2500 6.4L HEMI, Tradesman 4x4, 3.73
Blue Ox SwayPro (BXW 1503)
Upgraded from an REI internal frame backpack and a Eureka 1/2 dome tent!