Who has the best deal going for a 25 hp tractor?

[TractorNH]

Deal wise the best prices I've seen are TYM and Rural King. The Rural King tractors are made by TYM. Options and dealer proximity are things to consider.

I have no experience with the brand but haven't read a lot of bad about them.

Mahindra also has deals in this HP range and some of those are built by TYM as well. So some Mahindra's, the RK's, and TYM are all built by TYM.

 

[djefferis]

You are casting a very wide net there by saying 'best 25hp tractor'

Kind of like saying whats a good price on a new 4 door sedan - I could tell you a price - but knowing if its a Hyundai or a Mercedes for example would go along way in telling you if its a "good deal"

There are alot of nameplates out there offering "incentives" and dealers hyping them up - how good of a deal they are depends alot on your wants/needs - Deere for example seeming offers some variation of their 0% 60 month - 1.9% for 72 months on a 1 or 2 series - not a bad deal if thats your choice - but you pay for the name, dealer network and financing promotion in terms of a bigger sticker.

There are also plenty of lower priced machines from less prominent names - many with similar financing available. Of course when it comes to resale they suffer a harsher market and if something breaks - you might be doing alot of internet research or driving to a nearby dealer.

Figure out first WHICH models appeal to you - try to get it down to 2 or 3 and then do actual test rides with those and ask the dealer of each their thoughts. Then do the price researching - starting out searching by price or promotion alone, you are likely to make a decision you regret in the near future and will be suffering from tractor envy when you see something that might have not been on your radar because of price initially looking like the much better deal.

As fas as best deals - alot also depends on your local used market - some places used can be a great deal - many however its slim pickings and overpriced rentals that long term leave new a better gamble to the typical person.

 

[Geotech]

I just bought a Kubota L2501 a few weeks ago. It's probably the most expensive 25 hp tractor you can find, though. There are good rebates on implements with package deals, 0% interest for 60 months and 1.99 for 84 months. Just the standard deal - not a year end thing. Whatever you are buying, if you are planning to finance, I would not delay any longer than you need to since interest rates are rising.

 

[MaineGuy1]

The 0% financing deals are already built into the price of the tractor. No one gives money away for free.

 

[Diggin It]

Deal wise the best prices I've seen are TYM and Rural King.

I beat both of them by a fairly wide margin.

 

[Garandman]

I would never give up my SSQA. I use my forks a lot and for very heavy loads so I need real forks, not some clamp ones.

Absolutely the most important spec we picked, after hydro drive.

 

[Geotech]

The 0% financing deals are already built into the price of the tractor. No one gives money away for free.

Tell that to the federal government.

Either way, rates go up or the purchase price goes up. So your point is?

Once interest rates get high enough, the delta will be too high to build all of it into the purchase price and shun away cash buyers. You won't see the same kind of pricing structures once interest rates climb into the 7 plus range.

The difference in the interest rate is not always equal to the cash discount. A company financing tractors (or cars or whatever) may be willing to take a smaller margin if they can sell more units. Considering the rate of return you can usually get from investments on average, I'm pretty sure Kubota could make more than the extra $600.00 they charge to finance at zero percent for $25,000+ tractors. Obviously they aren't going to lose money (if they can help it), but they will offer same/similar products at different prices to different consumers- hence the reason why there are three L series tractors nearly identical, yet for different prices. So you can actually pay "less" when financing the tractor assuming you invest lump sum you would have otherwise used to pay cash. Then there are those folks who simply don't have the cash and need to finance. They are at the mercy of the finance terms, even if rates go up.

 

[MaineGuy1]

Tell that to the federal government.

Either way, rates go up or the purchase price goes up. So your point is?

Once interest rates get high enough, the delta will be too high to build all of it into the purchase price and shun away cash buyers. You won't see the same kind of pricing structures once interest rates climb into the 7 plus range.

The difference in the interest rate is not always equal to the cash discount. A company financing tractors (or cars or whatever) may be willing to take a smaller margin if they can sell more units. Considering the rate of return you can usually get from investments on average, I'm pretty sure Kubota could make more than the extra $600.00 they charge to finance at zero percent for $25,000+ tractors. Obviously they aren't going to lose money (if they can help it), but they will offer same/similar products at different prices to different consumers- hence the reason why there are three L series tractors nearly identical, yet for different prices. So you can actually pay "less" when financing the tractor assuming you invest lump sum you would have otherwise used to pay cash. Then there are those folks who simply don't have the cash and need to finance. They are at the mercy of the finance terms, even if rates go up.

My only point was that 0% financing shouldn't be the selling point of which tractor you purchase.

Edit: Also, if you have a good bank they will give excellent loans for farm equipment, if not 0% **** close to it. I would find the tractor I wanted and then talk about financing.

 

[yooperdave]

I'm kinda partial to Blue.

Lots of posts here say you give up a lot of capacity with that mount vs. pin-on.

An LS XJ2025H 10 minutes away for an everyday price of $14,900 has the SSQA loader and well over 1,000# lift capacity.
Given all the standard features for the price, it may be hard considering most anything else.
I hope to get a 5' wide snow pusher to plow the driveway. The 50" front mount snowblower is 2 to 3 times the price.

There is also a Deere dealer 10 minutes up the road but not overly impressed.

There are no TYM dealers anywhere around in this neck of the woods.

Yooper Dave

 

[buickanddeere]

Any too good to be true end of year deals going on?

SSQA is a requirement.

TIA

Yooper Dave

What is the definition of the "best deal". The lowest up front price for 25HP ? The lowest price for a useable tractor that is durable , will maintain it's worth and be supported by a dealership .
Cheapest does not cost the least.