I've done several purchases of new Kubotas that have crossed months. Deal made at the end of one month and closed or papers signed in the next month. When Steve Barlow entered what I was purchasing, a serial number and location of the machine is determined and the deal that day concerning price, rebates, dealer incentives and terms of financing. That "purchase under those terms" was valid for so many days even though I had not finalized the contract. Some times the terms and incentives changed from one month to the next. If the terms changed to my good I could redo the deal and if not sign and be a purchaser. I did do a deal one time, or discussed a deal for 48 months 0% but no actual purchase contract done on dealer computer with a specific lock in and when I returned the financing term had dropped to 42 months 0%. Lost money on that one.
The new machines belong to Kubota and not the dealer who just processes the transaction on the computer and Kubota gives/advertises their rates for a specific end date which can change every month and some times does but dealer has nothing to do with the determinations of rate or time. Dealer gets to determine how much profit he is willing to accept by processing the transaction.