Kubota 0% deal available every year?

[schoolsout]

My dealer told me there was no difference, but I never seriously considered paying cash so can't really confirm that.

Of course, you have the insurance issue also: Pay cash & you're can opt to not insure your new tractor; Choose the 0% financing & you must either provide your own insurance (whether by separate policy or possibly under your homeowner's policy) or purchase Kubota's KTAC insurance, which I did for $1,313 total for 60 months full coverage.

by cash, I really mean providing your own financing (through bank or wherever) without taking the incentivized deal.

I sell commercial trucks and a good many times, it is 6 in one hand and half a dozen in the other (hardly ever 0%, though)

0% probably works out in your favor, though.

Hypothetically, if a tractor was $20k, 0% over 60 months would be $333.33/mo
If you provided your own financing and got a $2,500 discount (not even sure if it would be that much on a $20k tractor) and bought the tractor for $17,500, at 6% over 60 months, your payment would be $338.38

I did not factor any doc fees or whatever in this, but just giving you an example.

I think a lot of times, it is a marketing ploy (including my business) as people are tuned into rates and not much else.

 

[EagleTDL]

I can't answer the original question, however, I just picked up a BX-25 at 0% for 60 months. No fees, no early payoff fee, financed 100%, no strings that I've found... Pretty happy with that situation!

 

[LBrown59]

So...is the 0% deal generally offered by Kubota every year? Or just in these bad economic times? )

thx,
Jay

I bought a new bx23 in 2004 and a new bx1500 in2007
Both at 0 percent .
I've neve seen a time when they didn't have 0 percent available since I bough my bx23 .

 

[jay98014]

Thanks everyone for the replies and info - now I just need to decide if it will be now, or next year.

 

[JOHNTHOMAS]

In the past the 0% has been a real 0%. That did change with my last purchase. I bought a B2320 for $9000 and there was a cash discount of $700 which I did not take. I took the 0% for 60 months. I have one purchase being paid up in Dec that was a true 0% for 42 months. I think I also have one a year old that is a true 0% for 48 months. I also have one that I bought last year that was a true 0% (no cash discount) for 60 months.
One other consideration besides financing that can affect your purchase. The prices have been going up every year. In fact there have been times when I've purchased a tractor that was on the lot but the replacement tractor to the dealer was $700 higher.
I've also purchased some where the price was actually less when the papers printed out than my original quote. Steve Barlow has passed on to me the incentives he has rec'd after the time he gave me the original quote and the time of completing the contract.
I bought one where the closing price was almost $1000 less than he quoted me. I was pleasantly surprised. He said I had bought three tractors within a years period and Kubota had given me Fleet price on the third one. They never did that again, it was just that one time. I've always asked for the Fleet discount in addition to my other discount since but no go.
I've bought several from Barlows and never offered them less or bargained (maybe asked for fluids or filter or hats) and they have always given me what I've considered a fair price and fair treatment. Buying is some times more than about a few bucks. Now several hundred bucks is a different thing.

 

[creekbend]

I got delivery of my 2011- L4400 the last of June 2011. The dealer advised that Kubota Corp. usually offers the incentives at various different times. The 0% was in effect when I completed my purchase. Happy Tractoring and good luck. Hope you enjoy your BOTA as much as I do mine.:tractor::tractor:

 

[Trenthall1]

On top of the incentives. Has anyone seen anything in there local flyers or anything for package deals for a B3200?

 

[OrangeRidge]

Ya don't know you're born ! : Kubota Australia
........... , but then you don't get 5.95% on cash-at-call

 

[bp fick]

On top of the incentives. Has anyone seen anything in there local flyers or anything for package deals for a B3200?

I rarely see pricing mentioned in Kubota advertising. You just have to contact a few dealerships and being the process of negotiating. Tractors are rarely shown at the price the dealer will actually take. Haggling is the name of the game. Not everyone's favorite pass-time, but that's the way it is. Generally, 10-12% off the Kubota.com "build my Kubota" price is considered a good deal.

 

[JOHNTHOMAS]

I rarely see pricing mentioned in Kubota advertising. You just have to contact a few dealerships and being the process of negotiating. Tractors are rarely shown at the price the dealer will actually take. Haggling is the name of the game. Not everyone's favorite pass-time, but that's the way it is. Generally, 10-12% off the Kubota.com "build my Kubota" price is considered a good deal.

For those that don't like haggling and want the best price they usually go to Barlow Equipment - Home of the Kubota Tractor Package Builder and they deliver all over the country. Hagglers also contact them for a price to use to haggle with their local dealer. Some use Barlows to determine how much, in dollars, that their local dealer appreciates them. But, I think most people that contact them buy from them. I know I have 13 times.