The last payment
- Thread starter ford farm boy
- Start date
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3v0
Platinum Member
Kudos. Try buying the next one with cash 
woody
Veteran Member
- Joined
- Sep 20, 2010
- Messages
- 1,154
- Location
- Central Alabama
- Tractor
- Kubota B26, Kubota ZG222, Kubota L45, 1980 Ford 1700
congrats, I will be paying my truck off this payday, I believe it makes them run better
OP
ford farm boy
Bronze Member
Can't beat the 0%
Baby Grand
Elite Member
- Joined
- Nov 12, 2007
- Messages
- 4,663
- Location
- Windsor, CT.
- Tractor
- Kubotas: L3240GST B2320HST B5100D & G5200H
Congratulations!
It was a huge relief when I could stop writing that check every month.
It was a huge relief when I could stop writing that check every month.
J F
Elite Member
Must be time to trade up!
creekbend
Super Star Member
Congratulations.
RedNeckRacin
Elite Member
- Joined
- Jan 6, 2008
- Messages
- 2,506
- Location
- Western PA
- Tractor
- John Deere 5083E MFWD, Kubota L3400 HST
since its paid off, can i borrow it? congrats.
daveshoot
Silver Member
Same thing I said... only 2 more years to go on mine. With the orange true 0% deal, cash was far too expensive. I paid off the Tacoma instead, because that loan was costing money.
JOHNTHOMAS
Super Member
- Joined
- Apr 14, 2008
- Messages
- 7,719
- Location
- Somerset, Ky
- Tractor
- F2690 4WD RTV X1140 MX5400 HST ZD1211
Congratulations! I paid two off about 6 years ago and have bought another 12 since then, had one to start with not paid off. Glad I didn't wait without a tractor until I had the cash to buy one.
3v0
Platinum Member
Is that 0% ever free. I am thinking it is 0% or a few K cash back or discount.
Brushhill dave
Silver Member
- Joined
- Jun 9, 2011
- Messages
- 207
- Location
- central alberta
- Tractor
- kubota 2360,Ford 4610,111jd,gt200 husky
I bought a new 2360 last summer and it was cheaper for me to finance it than it would have been to buy it outright???!!!! To the difference of $1700, and you get insurance for the payment duration.
brin
Super Member
OP
ford farm boy
Bronze Member
Now that it's paid off i would like to get a backhoe to go on back or maybe a new to me baler.
sandyc
Veteran Member
YEAH!!!!!! Now if you can stay away from the dealer and the next tractor> Hope the old one runs great for years to come.
ericher69
Veteran Member
Not truly 0%...
About $300 diff on $4000(loader)
Pay cash save the "processing fees"
JOHNTHOMAS
Super Member
- Joined
- Apr 14, 2008
- Messages
- 7,719
- Location
- Somerset, Ky
- Tractor
- F2690 4WD RTV X1140 MX5400 HST ZD1211
Here we go again. Is Kubota 0% really 0%. Some times it is and currently it isn't. It has been in the past and it may one day be so again. About a year or so ago Kubota started giving a rebate/discount for cash. Prior to that the price was the same for cash or finance. The rebate/discount was/is a different amount for different models. On some models the true interest rate was/is like 1 or 2% or less so it became not a true 0% but it beat almost any other financing available. I took Kubotas 0% always when it was the true 0% and still take it now that it's not because I use the money I get back (from equity in trade in) to pay off higher interest loans (cars/trucks).
I sleep well at night while Kubota removes money monthly from my checking account (I never have to do anything, they just do it, course I do have to go to the trouble of writing the deduction in my check book ledger) and eventually they stop doing it while I have toys, I mean Kubotas to enjoy before I die or get so old I won't be able to use them. My Grands can use my Kubotas when I die or they can work like I have and buy their own, which will probably make them appreciate them more like I do.:cool2:
Those that can't sleep at night owing money.....then save your money and pay cash but with prices continuing to rise don't believe your actually saving money while you wait years to buy that machine to save your back and make life a bit more enjoyable.
Do what you want and makes you happy but leave us borrowers to our style of living and we'll wave at you when we drive by on our financed Kubotas as you walk or dig the ground with a shovel or wait to do the work in another year or two or 3 or nine.
One other reminder. Your local Kubota dealer doesn't own most of those new Kubotas. They are owned by Kubota unlike cars at car dealers. Usually new models are higher and the older model is still the same price with an occassional discount sent down from Kubota to the dealer if there are to many of the older models in Kubotas network, not the local dealers lot. Thinking a local dealer is going to do a distress deal.....well, it's not their decision. Dealer gets told the cost of the machine by Kubota and the dealer then gets to decide how much profit they are willing to take. All dealers get the same price from Kubota. Bigger or smaller dealers don't get them for more or less.
Is Kubota 0% really 0%. Some times it is and currently it isn't. It has been in the past and it may one day be so again. About a year or so ago Kubota started giving a rebate/discount for cash. Prior to that the price was the same for cash or finance. The rebate/discount was/is a different amount for different models. On some models the true interest rate was/is like 1 or 2% or less so it became not a true 0% but it beat almost any other financing available. I took Kubotas 0% always when it was the true 0% and still take it now that it's not because I use the money I get back (from equity in trade in) to pay off higher interest loans (cars/trucks).I sleep well at night while Kubota removes money monthly from my checking account (I never have to do anything, they just do it, course I do have to go to the trouble of writing the deduction in my check book ledger) and eventually they stop doing it while I have toys, I mean Kubotas to enjoy before I die or get so old I won't be able to use them. My Grands can use my Kubotas when I die or they can work like I have and buy their own, which will probably make them appreciate them more like I do.:cool2:
Those that can't sleep at night owing money.....then save your money and pay cash but with prices continuing to rise don't believe your actually saving money while you wait years to buy that machine to save your back and make life a bit more enjoyable.
Do what you want and makes you happy but leave us borrowers to our style of living and we'll wave at you when we drive by on our financed Kubotas as you walk or dig the ground with a shovel or wait to do the work in another year or two or 3 or nine.
One other reminder. Your local Kubota dealer doesn't own most of those new Kubotas. They are owned by Kubota unlike cars at car dealers. Usually new models are higher and the older model is still the same price with an occassional discount sent down from Kubota to the dealer if there are to many of the older models in Kubotas network, not the local dealers lot. Thinking a local dealer is going to do a distress deal.....well, it's not their decision. Dealer gets told the cost of the machine by Kubota and the dealer then gets to decide how much profit they are willing to take. All dealers get the same price from Kubota. Bigger or smaller dealers don't get them for more or less.
3v0
Platinum Member
JOHNTHOMAS said:
Thinking there must be a 10 step program ? LOL
OK sure fine can do...vegaome
Silver Member
Congratulations!
