Lets say you are wanting to finance an RV. Would it be easier to obtain a loan through the credit union you belong to or the lender associated with the dealer?
You should compare what your credit union will offer versus the dealer. Keep in mind that the dealer may shop around for rates, resulting in MULTIPLE inquiries on your credit report. If you have a good history with your credit union, I suspect that not only would they be easier, but they would also give you a better deal.