I bought my B3200 this past July at 0% for 72 months. One of the dealers around here was advertising that rate in the local Penny Saver. I called other dealers and they too said it was being offered but for only 1 week. Needless to say the BX25 went bye bye. Kubota has been offering the 0% for 60 months ever since I got the BX25 back in the beginning of 08.