I'm in the middle of purchasing an MX5400. My salesman told me today that the Equine discount program cannot be combined with ANY rebates and is only applicable to CASH deals, meaning third party financing - no Kubota zero percent and no KTAC insurance. So it's 20% off of full MSRP and you bring money with you from elsewhere. If your dealer is giving you a good deal, you'll have to crunch numbers and see what works best for you.
I'm concerned about the insurance side, having just lost a tractor to fire that was covered under KTAC. The Equine deal would have to be a considerable savings for me to go that route now. And I've already joined the NCHA so that's there if it works in my favor.
My salesman just told me the same thing, despite the language that I highlighted below. But look at what I also highlighted, dealer prep. That was build in before, and now he plans to put numbers to it. My impression or fear is that he'll slap those numbers on top of his previous numbers that already included prep.
It may be time for me to try another dealer. On the other hand, if something sounds too good to be true, maybe it is. Possibly the equine program works best on bigger tractors where the tractor's base price is much higher. I am looking at a B2601.
Finally, however: I think I won't end up with 20% off but will get a quote that's less than what I have now. And am editing this to add that my salesman backed off on not giving the cash discount when I sent him what's below highlighted.
* ゥ Kubota Tractor Corporation, 2020. Up to 20% off MSRP on select models plus Standard Rate Financing (Promotional Rate Financing not Applicable). KTC reserves the right to cancel this program entirely, modify or amend any aspect at any time without prior notice.
Purchase price is eligible for cash or applicable standard rate finance offers. MSRP for base equipment.
Excludes dealer delivery, set up, and assembly fees, freight, taxes, and any finance charges. Optional equipment not included. Equipment image shown is for illustration purposes only and may not be base equipment. Please see your dealer for details or KubotaUSA.com. This program applies only to members in good standing with the National Cutting Horse Association and other qualifying national or regional equine organizations. Please see dealer for details. Offer expires 12/31/20.