The bank pays RVW a commission for using their financing, counting on you to repay sufficient interest to cover the commission and the bank's profit. If you pay the loan off before the year is up, the bank will go to RVW to collect some of their commission back.
RVW will happily explain this, and is pretty decent about giving you the full amount of the commission off the sales price.
When buying cars, I negotiate a fair price, and if the dealer can come up with better financing than I can, I let him keep his commission on the financing. RVW is taking that commission off the sales price up front.
2019 Flagstaff T21TBHW A-frame (bought from Robert's in Denver, you have to bring your own financing with Robert's)