Not sure as I paid cash but I thought the Kioti dealerships went threw AgriCredit when you need a loan and my understanding is they will finance any brand tractor so I cant understand why a dealer would have you go to the local bank. I do understand that if someone wants the lowest payment they can take advantage of Kubota or JD finance terms at zero %. I would not really consider it zero percent as from what I read on here you pay that extra cash up front with a higher purchase price. I also know that JD says the price is the same cash / credit/ or zero percent but I strongly disagree that the price is the same!
It would seem to me that logic says if a cash price is the same as a zero down 0% loan by paying cash I would be paying the extra money not just for the green paint but also for the finance terms that I don't want anything to do with. That's just an other reason why JD was quickly out of the running my last time shopping.
