If by late model, you mean within the last 5 years or so, if it was financed, it would have probably been financed through the manufacturer's finance arm. All of the tractor companies have offered 0% financing for several years, so someone might have gotten other financing to get the cash discount, but that would probably be relatively few cases. I just finished paying off mine through Kubota credit and they sent me a copy of the original loan agreement marked paid in full. Examining something like that document plus the statement on the bill of sale as suggested above would make me feel reasonably secure.