Hey everyone thanks for your replies and advice.
I looked at tractors today. I had a great experience at a Mahindra/Kioti dealership. It is down to a Kioti 3520SE Cab, 4020 SE, or a Mahindra 2638 Cab.
The pricing is as follows:
$36,500 0% APR or $34,800 if buying outright
$38,500 0% APR or...