Buying Advice kubota L3560 - 2% upfront financing fee

[s219]

What would I be confused about? Of course you can purchase insurance if you pay cash. You are not obligated though.

I do not know if there is a cash discount or not. We settled on a price, and then ktac was added onto that price.

Go look at the link I provided, there is always a cash discount. When you opt for financing, you forgo the discount. That is the "cost" of the financing deal.

 

[RSR]

In the past Kubota's 0% has been a spiff from the company. It didn't cost the dealer any more. Kubota covers the interest.

It's a "free lunch" in that Kubota is giving it to buyers as an incentive. Of course they could have a cash discount that's their cost of making the loan 0%, and I'm told that sometimes they do. The plan changes quarterly.

I was on Kubota's website last night. If you price out a bx model they now show a "finance" price and a "cash" price. They were showing a $1,300 discount for the cash price.