Keep in mind that if you do go through a program and get 0 percent financing for a set number of months, you are likely to have to purchase a seperate policy of insurance that covers damage, fire, theft, etc. Or, you have to have the tractor listed seperately on your own farm or homeowners policy. That is not the cheapest insurance in the world. So factor that into you decision to finance if you can actually pay for the tractor without financing. Generally, financing at 0 percent will be a better deal, but it isn't as attractive as you might think.