When shopping for a camper, I would possibly look outside of your state. Camper's carry HUGE MSRP's compared to their invoices, I would look for a volume dealer that is offering great internet pricing as it may be worth your while to have one shipped or do a bit of traveling to find the best deal and possibly save a few grand.
As crazy as it sounds, many travel trailers priced below 30k can have anywhere from 5-15k in markup over invoice. The reason for this is, camper's depreciate VERY fast and just like with vehicles, many camper customer's like to trade-in every few years so the huge spread help's this issue by being able to show higher trade-in allowances on a camper that is worth far less than what you paid a few year's ago.
As far as financing options, CU's are always a good choice, a local CU to me will do 5.34% for 120 mo's on a new/used camper or 4.54% for 72 mo's. Some national lender's such as Ally, US Bank, Union Bank & Trust, Bank of the West, and so on will finance camper's as well. Most of your prime captive lender's will require 10% down in the form of cash or trade equity.
As far as rates, always expect them to be higher than a traditional auto loan as camper's are very high risk for lender's. RV lender's require usually 700+ scores (most use auto-enhanced scores), 10% down and rates will normally be 4.5%+, an RV depreciates very fast as I mentioned above, and if in financial hardship a RV will always be the first thing to be defaulted on as people will try to keep their mortgage/transportation over a luxury item. The lowest rates you will typically find on a traditional RV loan will be somewhere in the 4.5% range.
