CMV
Platinum Member
My quick search earlier gave me the same feeling about them.. price seems good but after paying the interest on loan ( kubota and kioti are both 0% interest) you end up paying less for the kubota or kioti plus I'm sure service wouldn't be great as you said.
HERE is where your disconnect is - how the finance arm of each defines 0%. IF you were to go back to your Kioti dealer and ask for the cash price, you would most likely find the Kioti costs a little less. Kitoti current finance deal of 0% to 72 months is just prepaying interest in the purchase price, buying down the loan simple way to look at it. If Kubota finance is true 0% loan (free money) that's how you're seeing total cost skewed that way. I could be wrong and am seeing the small Kubota package deals advertised here at a real nice price so could be other incentives in play right now too. But when I compared slightly larger L3901 with CK3510 I was surprised to find out how close in price the "premium brand" Kubota was since I was expecting a huge difference with the "value brand" Kioti. But after getting more into numbers and then comparing cash prices, the price gap started showing up. Implements come into play as well with Kubota since 2 attachments (loader counts as 1 for Kubota) that's more rebate. Not all Kioti dealers sell Kitoti brand attachments (so can't offer) and Kioti doesn't count the loader as 1 either.
However, if you could write a check - or use some other form of very low interest loan like HEL - you might find the Kioti ahead on price overall. My rough math from the quotes I got were pretty much difference in Kioti cash price vs 0% price was the cost of about a 6.4% loan over 5 yrs.
Either way, for a few hundred $ either way, I would get the one with the features/specs/feel I liked more if there was a noticeable difference to me. I would be upset every time I hit a hard bump, couldn't lift something, spun the wheels, developed a problem, etc - would continually gripe to myself "for $5/month I wouldn't have this issue" (whether true or not, would be the perception from compromising initially).