Thanks for the replies. Sounds like a bit of a crapshoot, in which case I may just stick with my bank for convenience sake.
rkswyo, where in the world did you find 2.75%? For that rate, I'm willing to do a little leg work!
Still trying to decide how much to finance. I'm getting a big tax refund, plus the in-laws are gifting us a nice chunk of change towards the trailer as well. That leaves me needing to finance about $3k, which almost doesn't seem worth it. Wondering if I should keep the tax refund, and finance the bulk of the trailer cost instead...