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Discussion Starter · #1 ·
After a ton of research here's what I came up with.
Prices are already discounted
B2620 $12999 I still may go with the 2920?
364fl loader. $ 2899
Loader disc. -$300
60 inch mmm. $2349
76ba power bagger. $1849
Boot kit. $165
Bh65 BH. $5250
4965 sub frame. $899
1952a bucket. $600
Load rear tires. NC
Block heater. NC
3bucket hooks installed NC

Total. $26710

I was also told I can get a $1050 rebate or 0% not both?
 

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Greg, thats a nice setup your trading for. Have you run it against the "build my Kubota" on the Kubota site? It'll give you the MSRP.

When compareing the 0% against the cash discount, unless you've got that much cash on hand, you'll need to shop around and find out how much financing the needed amount will be for the term of the loan, then pick the cheapest route.

I don't think theres any tax advantages either way but I could be wrong.

Good luck and let us know how it goes.
Dave
 

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I'm not shopping now but when I bought my BX25 a year ago, it was $700 discount for a cash purchase, or 0% financing. I think most tractor mfg's have no gone to this either/or approach so 0% financing isn't truly cost free.
 

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and don't forget the KTAC if you go for the 0%, added $900 to the price of my machine...I got a good price for the tractor, and glad I have the insurance, but it is an added cost to consider
 

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Can anyone confirm the rebate vs rate? I would use the 0% but not at the cost of the $1050
At 8%, $26,710 for 60 months is a $541.58 monthly payment, for a total paid of 32,495. At 0%, your total is $26,710 -- $5,785 less. Seems to me that 0% financing is a $4,735 better deal.

When we bought our BX-2360 in October, the 0% financing sealed the deal. We were not in a position to come up sith $15K in cash.
 

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I pulled the bagger and boot kit. I may go with a cyclone rake instead but I don't need to decided until spring.

As far as the 0% I wanted to be sure you couldn't get both.
Greg,

Congrats!! That is an awesome machine you just purchased. (I assume you went with the 2620?)

Yes, as far as the rebate/financing, it's either/or. It's actually kind of nice because it gives folks who don't need financing a decent discount, and it makes the Kubotas affordable for those who do need the financing. But as CHDinCt said above, this seems to be what most manufacturers are doing nowadays. So you definitely got a fair deal on that.


At 8%, $26,710 for 60 months is a $541.58 monthly payment, for a total paid of 32,495. At 0%, your total is $26,710 -- $5,785 less. Seems to me that 0% financing is a $4,735 better deal.

When we bought our BX-2360 in October, the 0% financing sealed the deal. We were not in a position to come up sith $15K in cash.
Mike, that's right. For me, the 0% would be the deal-sealer for the same reasons as it was for you.

But the calculus gets trickier if you have the cash available to make the purchase, and are wondering if you should take the 0% financing just because it's being offered. In that situation, you have to figure out what the return on your own money would be, compared to the savings you would get if you paid cash. With today's bank interest rates, it ends up not being quite so dramatic a difference.

I think I'd still take the 0% along with the great insurance Kubota offers, keep my cash in the backpocket, and have a little more financial flexibility. I can see how someone else might choose differently, though. For some, the hassle of monthly payments just isn't worth it.
 
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