I live in Minnesota. We have a credit union that serves Minnesota and Wisconsin residents that has recreational vehicle loan rates for 48 months at just 4.39%. 63 month loans are 4.64%. Another regional credit union had 4.19% apr on 48-60 month loans on their site. These rates were posted after fourth three-quarter rate hike from the Fed that occurred on 11/3/22.
No matter where you live, you may want to do a little research on rates at your local credit unions. They often offer lower rates than other financiers.
Refinancing could save you a good bit of money. After all, money saved it money earned!
See you out there, Camper Jim