It's all about your credit rating (FICO) score. It make a HUGE difference in the APR!
We shopped rates for a year, and found that the three best deals were a local credit union, USAA Bank, and State Farm Bank. We went with State Farm Bank as we were able to do everything at the Agents local office. Ended up doing all of our insurance (cars, motor home and house), financing the motorhome, and re-financing the mortgage there.
Made it so easy to do everything from the same chair! lol
2016 Redhawk 26XD
Me, Dear Wife,
2 Bluetick Hounds
1 Newfoundland / Black Lab Mix
1 Cairn Terrier