TripleR
Super Star Member
- Joined
- Mar 5, 2009
- Messages
- 18,615
- Location
- Missouri
- Tractor
- Kubota M8540HDC, L5740HSTC, BX2200, BX2660, John Deere 425&1025R, Case, Massey Ferguson, Ford
I think the Kubota finance option has changed since I got mine a year and a half ago, in Canada it was 25% down, then 0% for 36 months. Still a good deal in my opinion.
TripleR had some good advice, look at what implements you need and build the tractor around them. Being able to move round bales means a bigger tractor than you need for the rest of your chores unless you want to use a 3ph bale spear.
Try to size the tractor based on your long term needs as much as possible, what you need today may be overkill 5 years down the road. If you need something big up front, either look closely at the resale value and be prepared to trade/sell down the road, or borrow/rent/hire the heavy work out for now.
Sean
It seems each new "0%" finance option is a little different. When we bought our M8540 this summer, we went with the intention of going with the financing and keeping the money in the bank. When we were told by our salesman of the cash incentive, we discussed our financial/tax/LLC/depreciation and decided to go with paying cash.
We paid cash for a used tractor earlier in the year due to the low return on investments and finance cost.
I will look at all options when we buy our next one; things change.