Thank you! Thats what I did with my campervan but I'd like to avoid doing an another paperwork if it is possible.The loophole is accepting the dealer-arranged financing, then refinance elsewhere at a lower rate. Dealers lose out on their commission for financing if the loan is paid off within 90 days. Before you go this route, confirm with your prospective lender that the same rate you were preapproved for would still apply to a refinance. You’ll also want to read your dealer-arranged loan agreement carefully and understand any penalties, such as an early termination fee.