Ah'yup, all of the above. JD financing has very simple programs. If it's the right deal and the right rate, I wouldn't hesitate to use them. I've had three JD equipment loans and my family has had a couple over the last 40 years for major farm purchases when the bank wasn't a good fit. I have paid only a very small amount of interest by paying one of mine off early a few years ago, and never paid a penny of interest on my second loan. I'm on a 0% for three years right now and will make the last payment on the last day of the 36th month, no earlier.... /forums/images/graemlins/wink.gif Basically, JD makes their nut up front and believes in keeping us satisfied with no hassles and good parts and service. That's my take on their business model, anyway.