I am interested in hearing about these "horror stories" with KCC.
I've had two loans with them, one for a RTV (payed off) and one for a tractor (which I still owe for). I made/make a single yearly payment for each.
If you make the payment on time what can go wrong?
You can google Kubota financing problems and you can read some of the stuff people have written about Kubota Financing. Thanks for the positive feedback on this topic, this makes me feel at ease.