You should be able to get the quoted cash price from a KIOTI dealer at the 6.09, you don't have to go 72 or 84 months. If you finance 20,000 (the DS4510 is the most comparable to the MX4700) at 6.09 for 60 months your payment will be about 387.50. That payment at 0% for 60 months will finance about 23,500. If the dealer adds 6% to the kioti plus give up the 1500 the Kioti goes to 22695 which will now finance at 0% Of course if you pay off early, you will have a higher pay off with the 0% deal because you basically have the interest built into the loan amount. So the MX4700 would have to be less than 22695 to be cheaper than the DS4510 (if you don't pay off or trade before end of the term). Any down payments will narrow the gap as the benefit of 0% is reduced. The DS does have a few features the MX does not, like full seat pan, push button PTO control and a rubber floor mat and of course 4 year unlimited hour warranty.
Kioti does require the dealer to buy down the rates and also forfiet any rebate. This is why I quit quoting 0% at my dealership. If i quote a price than I can offer 0% to everyone, the cash buyers or those with a large down or trade in, will get too high a price and I risk losing the sale. One of the few things I remember from my studies of economics back in the 70's was "ther is no such thing as a free lunch". If a company offers 0% rebate of a 1000, on a deal like this, the cash buyers are subsizing the 0% buyers. to be more equitable, the cash rebate would need to be about 2500. So who is really more up front with financing?