I came pre-approved from my CU but the dealer asked for a chance to match it and he would give me some free stuff. The dealer matched it and it was 3.49 for 10 years. It was a joint application, I have a high 700 and my wife has a low 800. I guess location does play a factor in interest rates, I had no idea.
2015 Forest River EVO 2850
2012 Dodge Ram 2500 6.7 Cummins
Yamaha 2k x 2 with parallel cable
EMS 30 PI portable w/ Edison plug
Nights Camped (2016-13) (2015-13)