When I went to my dealer, I already knew exactly what I wanted for a tractor. I had done my research, and walked in. I had a couple of questions but the rest was discussing pricing and options and doing paperwork. I knew what prices were of comparable competitors tractors, but what I found out was how badly most Mahindra dealers want to penetrate the market- especially here on the west coast, and by my experience they were willing to do that in their pricing. That should be no secret, but in the end its all in what you negotiate. If you are talking "cash price" plan on adding about 4.25% to that in finance charges (plus a few other small fees) no matter what the current adds are telling you about 0% financing for 84 months. If you truly want the 0% financing, then your not talking "cash price" anymore, and the price goes up about 4.25%. Amazing how that works! To give you a ball park cash price for tractor and loader should be in the 14-15$K range, and about 5K$ for the Backhoe.