JJT
Veteran Member
- Joined
- Oct 13, 2001
- Messages
- 1,942
- Location
- Upstate NY, USA
- Tractor
- Kubota L3710 HST and a Kubota ZD21 60Pro
Mo, For $200 I'd go with the local dealer. Your time and wear and tear is worth morth than that. JT
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Buying outright vs Financing? Any advantage?
- Thread starter MOPAULY
- Start date
- Views: 5906
JJT
Veteran Member
- Joined
- Oct 13, 2001
- Messages
- 1,942
- Location
- Upstate NY, USA
- Tractor
- Kubota L3710 HST and a Kubota ZD21 60Pro
Mo, For $200 I'd go with the local dealer. Your time and wear and tear is worth morth than that. JT
</font><font color="blueclass=small">( Mopauly:
Your $100.00 dollar savings will disappear the moment you have to bring the tractor back for some kind of service. )</font>
Unless it required for warranty purposes to go to the dealer, I do all of my own maintenance on vehicles, no worries there. From engine rebuilds to tranny's to almost everything else I have no issues working on it.
However from a relationship standpoint with the dealer I would get maintenance items from, I can see it may not be worth the initial savings.
Your $100.00 dollar savings will disappear the moment you have to bring the tractor back for some kind of service. )</font>
Unless it required for warranty purposes to go to the dealer, I do all of my own maintenance on vehicles, no worries there. From engine rebuilds to tranny's to almost everything else I have no issues working on it.
However from a relationship standpoint with the dealer I would get maintenance items from, I can see it may not be worth the initial savings.
</font><font color="blueclass=small">( Mopauly:
Your $100.00 dollar savings will disappear the moment you have to bring the tractor back for some kind of service. )</font>
Unless it required for warranty purposes to go to the dealer, I do all of my own maintenance on vehicles, no worries there. From engine rebuilds to tranny's to almost everything else I have no issues working on it.
However from a relationship standpoint with the dealer I would get maintenance items from, I can see it may not be worth the initial savings.
Your $100.00 dollar savings will disappear the moment you have to bring the tractor back for some kind of service. )</font>
Unless it required for warranty purposes to go to the dealer, I do all of my own maintenance on vehicles, no worries there. From engine rebuilds to tranny's to almost everything else I have no issues working on it.
However from a relationship standpoint with the dealer I would get maintenance items from, I can see it may not be worth the initial savings.
Cajunkubota
New member
You might want to check what kind of offer your dealer and also check the website of the tractor company you are buying is offering before you by outright. I went to my kubota dealer and made a darn good deal in Jan, 06. I shopped around and got the lowest price on a Kubota L4400 went to him he then matched the lowest price which was only $300 difference, at that time Kubota was offering a 180 day no payment 365 day int. free and $500 off purchase price. I financed and I paid the tractor $14,500 if I would have paid outright it would have been $15,000 I then paid it out in a couple of payments.
Last edited:
Cajunkubota
New member
You might want to check what kind of offer your dealer and also check the website of the tractor company you are buying is offering before you by outright. I went to my kubota dealer and made a darn good deal in Jan, 06. I shopped around and got the lowest price on a Kubota L4400 went to him he then matched the lowest price which was only $300 difference, at that time Kubota was offering a 180 day no payment 365 day int. free and $500 off purchase price. I financed and I paid the tractor $14,500 if I would have paid outright it would have been $15,000 I then paid it out in a couple of payments.
I just bought a JD4120 and have done the research for the financing/insuring options for JD and Kubota.
Financing:
JD offers 36 month/0% for the 4X20.
Kubota offers 12 months/0% and 36 months/2.99% for the L30 series.
Dealers for both told me that it makes no difference in cost to finance or not.
Insurance:
Both provide damage and loss insurance that will cover the tractor for the life of your manufacturer loan.
JD - $110 for the whole 3 years.
Kubota - $18/month for the life of the loan.
My home owner insurance - $80/month
Total insurance for 3 years:
JD - $110
Kubota - $648
Farmers - $2880
I have the money to pay cash, but when you do the math for the particular models I chose between, it turns out that financing through JD made it the most cost effective. The total cost after 3 years makes the JD significantly less expensive than the comparable Kubota.
I will not spend that much money and not insure it. That alone was enough incentive for me to finance.
Dave
Financing:
JD offers 36 month/0% for the 4X20.
Kubota offers 12 months/0% and 36 months/2.99% for the L30 series.
Dealers for both told me that it makes no difference in cost to finance or not.
Insurance:
Both provide damage and loss insurance that will cover the tractor for the life of your manufacturer loan.
JD - $110 for the whole 3 years.
Kubota - $18/month for the life of the loan.
My home owner insurance - $80/month
Total insurance for 3 years:
JD - $110
Kubota - $648
Farmers - $2880
I have the money to pay cash, but when you do the math for the particular models I chose between, it turns out that financing through JD made it the most cost effective. The total cost after 3 years makes the JD significantly less expensive than the comparable Kubota.
I will not spend that much money and not insure it. That alone was enough incentive for me to finance.
Dave
I just bought a JD4120 and have done the research for the financing/insuring options for JD and Kubota.
Financing:
JD offers 36 month/0% for the 4X20.
Kubota offers 12 months/0% and 36 months/2.99% for the L30 series.
Dealers for both told me that it makes no difference in cost to finance or not.
Insurance:
Both provide damage and loss insurance that will cover the tractor for the life of your manufacturer loan.
JD - $110 for the whole 3 years.
Kubota - $18/month for the life of the loan.
My home owner insurance - $80/month
Total insurance for 3 years:
JD - $110
Kubota - $648
Farmers - $2880
I have the money to pay cash, but when you do the math for the particular models I chose between, it turns out that financing through JD made it the most cost effective. The total cost after 3 years makes the JD significantly less expensive than the comparable Kubota.
I will not spend that much money and not insure it. That alone was enough incentive for me to finance.
Dave
Financing:
JD offers 36 month/0% for the 4X20.
Kubota offers 12 months/0% and 36 months/2.99% for the L30 series.
Dealers for both told me that it makes no difference in cost to finance or not.
Insurance:
Both provide damage and loss insurance that will cover the tractor for the life of your manufacturer loan.
JD - $110 for the whole 3 years.
Kubota - $18/month for the life of the loan.
My home owner insurance - $80/month
Total insurance for 3 years:
JD - $110
Kubota - $648
Farmers - $2880
I have the money to pay cash, but when you do the math for the particular models I chose between, it turns out that financing through JD made it the most cost effective. The total cost after 3 years makes the JD significantly less expensive than the comparable Kubota.
I will not spend that much money and not insure it. That alone was enough incentive for me to finance.
Dave