When we did the purchase, i negotiated on an out the door price. This helped keep the purchase in prospective.
I found out that banks are a bit more eager to lend mone now than 7or so years ago. They give the dealer a rebate of 2k if the buyer finances. Simple interest, no prepay penalty. Our plan is to pay off truck and camper to get a managable monthly payments before building our house. We both have credit scores well North of 800 which helps.
One area I Was not anticipating was the after the sale service contract stuff. The dealer's offering was in 5 parts. There was a bumper to bumper part for 5 years with any Valano dealer or Tifon dealer or if none available, a mobile technician. I'm pretty handy and like fixing stuff if I have time. The lady doing the paperwork said no, service techs "are" to fix stuff. We will have to see how this goes.
We could pick and choose parts of the warranty.
I didn't want any except the one year Vanleigh warranty but my wife insisted we do some of the line items. If you are buying a camper be aware this most likely will be offered. My feelings on insurance is it is for a loss that would be intolerable if the worst happened.
One part I killed right away was what I called "the flat tire warranty". They send someone out to fix-a-flat.
Another I deferred was payoff the camper in the event of a total loss. They called it "Gap insurance". Most people get upside down in what they owe and what the insurance company figures it is worth. This part would pay the difference. We plan to pay off the camper before we start building our house in 8 or so months so this part would be of little value.
As I said I would not have bought any of these but my wife wanted them. Sometimes you have to chose you battles.
Another part I didn't like is they roll the cost of this "insurance" for the full term into the amount financed, meaning they get their money up front. If we sell within 5 years we do get a rebate for the unused part, and this funky warranty is transferrable if we sell this 5er?
Just be warned this type of extra profit thing is out there.