BuzzardA91
Gold Member
- Joined
- Jul 20, 2012
- Messages
- 361
- Location
- West Granby CT
- Tractor
- JD 4105. 375 Backhoe. 2005 Polaris Ranger
0% is not free, its prepaid interest.
I agree with that in general. However, when I bought new a few months ago the cash price was the same as using the 0% for 48 months with JD. There was no dealer fee for taking the finanancing. There was a fee if I went with a longer loan. I shopped all the major brands and you are correct, if you took the financing the price went up. Wasn't so with JD 48 month 0%. My bottom line I paid was on par with the discount dealers on Tractorhouse and other Internet dealers. Dealer didn't care if I paid cash, financed, or any combination.
I guess you also would consider the warranty period for the new one and how many hours you plan to rack up every year. Either way $10,000 isn't chump change.