Full figured 25hp Tractors

[paulsharvey]

So, I will drop a bit of info, if anyone in the future is wondering; CK2610H (and I'm sure equivalent size, HP, weight) vs 72" box blade?

I've been using my older Frontier 72" a fair bit lately, and more for it's intended purpose. Yes, it's 100% usable on mixed sand/clay/rock, including wet sand (which is Heavy), but about the time you get 75% of a full box, even with filled tires, and 4wd, it starts slipping on wetter material; or will bog down/stall on firm ground.

Point I trying to make; I am glad I didn't sell the 72"; as it's a heavier BB than most of the 60" I see around; but if it's buying a new 60" vs a new 72"... I'd probably try to find a 66", or a used 72", IF I was don't dealing with hard compact material; If I was 90% grading compacted rock, I would go with the 60", but not the type of 60" you see often, light duty stuff; but a heavier duty 60" that can take some abuse.

 

[LouNY]

So, I will drop a bit of info, if anyone in the future is wondering; CK2610H (and I'm sure equivalent size, HP, weight) vs 72" box blade?

I've been using my older Frontier 72" a fair bit lately, and more for it's intended purpose. Yes, it's 100% usable on mixed sand/clay/rock, including wet sand (which is Heavy), but about the time you get 75% of a full box, even with filled tires, and 4wd, it starts slipping on wetter material; or will bog down/stall on firm ground.

Point I trying to make; I am glad I didn't sell the 72"; as it's a heavier BB than most of the 60" I see around; but if it's buying a new 60" vs a new 72"... I'd probably try to find a 66", or a used 72", IF I was don't dealing with hard compact material; If I was 90% grading compacted rock, I would go with the 60", but not the type of 60" you see often, light duty stuff; but a heavier duty 60" that can take some abuse.

Yes but even at "just" 3/4's full with a 72" you are moving more material and working much more area then a 60" can even full.
A larger blade even with less visible material is doing as much or more work then a smaller one as well as covering a larger area.

 

[ChubbyButtNinja]

7 years 0% down IS NOT 0% interest. If you do the math you are paying an extra $6500 over that $18k sticker just for financing (if the payment is $297/month for 7 years). That's a complete rip off in my book.

When I worked out the math, I was thousands of dollars ahead paying more and taking the free money for 84 months and investing that $$

 

[ChubbyButtNinja]

So, here is an LS subcompact tractor for info:

2022 LS Tractor MT1 Series MT122-21.5HP MT122H-LL1101 SW | RCO Tractor

RCO Tractor is an agricultural dealership with locations in Spicewood and Greenville, TX. We sell new and pre-owned tractors and implements from LS Tractors, Bad Boy, Spartan, Armstrong Ag, and Ag-Meier Industries with excellent financing and pricing options. RCO Tractor offers service and parts.

www.rcotractor.com

And a 25 hp 'compact' size:

2022 LS Tractor MT225E Series MT225HE MT225HE-LL3300 GV R1 | RCO Tractor

RCO Tractor is an agricultural dealership with locations in Spicewood and Greenville, TX. We sell new and pre-owned tractors and implements from LS Tractors, Bad Boy, Spartan, Armstrong Ag, and Ag-Meier Industries with excellent financing and pricing options. RCO Tractor offers service and parts.

www.rcotractor.com

IMHO, you definitely need to go see, sit on, and possibly try out multiple tractor brands. Right now, prices are still higher than they were just a couple years ago.

Don't fall for the "0% interest".... it's just added to the 'base' cost. If you wanted to pay it off early, you don't save anything on interest. Conventional financing, sure, you pay interest..... but, if you pay it off early or pay some additional, you definitely save on the interest.

Good luck with your search!

At current interest rates it makes more sense to finance at 0% for 84 months if the upcharge is only around 10-11% of the tractor.

 

[jyoutz]

At current interest rates it makes more sense to finance at 0% for 84 months if the upcharge is only around 10-11% of the tractor.

I don’t know where people are finding big cash discounts? Every place I looked, the price was the same, cash or financing. There were a few specials but even they weren’t significant cash discounts.

 

[paulsharvey]

I don’t know where people are finding big cash discounts? Every place I looked, the price was the same, cash or financing. There were a few specials but even they weren’t significant cash discounts.

When I purchased; there was 2 tier pricing; Cash or Conventional fianceing; absolutely same price, and I did ask the owner. He said conventional I have a money in my account in 24 hrs, so it's no different than cash, so no discount, and frankly he preferred to not deal with the cash, because that meant an immediate trip to the bank, cause he didn't want that kinda money onsite

And the 2nd tier was 0% fiancing; which was a higher purchase price;

So, in my case, 18 months ago; it was $20,500 cash or conventional
Or $23,500 for 0%. Basically, it's the same as "buying down points" on a mortage.

 

[paulsharvey]

Now, maybe in a soft market, a manufacter or dealer network is willing to buy down the points to make a sale... or they basically lead with the 0% price, and have a hidden cash/conventional price they don't advertise.

 

[jyoutz]

When I purchased; there was 2 tier pricing; Cash or Conventional fianceing; absolutely same price, and I did ask the owner. He said conventional I have a money in my account in 24 hrs, so it's no different than cash, so no discount, and frankly he preferred to not deal with the cash, because that meant an immediate trip to the bank, cause he didn't want that kinda money onsite

And the 2nd tier was 0% fiancing; which was a higher purchase price;

So, in my case, 18 months ago; it was $20,500 cash or conventional
Or $23,500 for 0%. Basically, it's the same as "buying down points" on a mortage.

That wasn’t my experience.

 

[paulsharvey]

This is the board at Black Creek Tractor, in Middleburg FLa that I bought from, and they openly showed the two tier prices in the lobby.

 

[tacticalturnip]

This is the board at Black Creek Tractor, in Middleburg FLa that I bought from, and they openly showed the two tier prices in the lobby.View attachment 1056831

Those cash prices are really good.

 

[Rdrcr]

I’ve seen dealers advertise pricing as you have shown, cash vs finance. My local Kubota dealer will absorb the finance charges and charge the finance buyers the same as the cash price.

Mike

 

[paulsharvey]

Those cash prices are really good.

Those are from 18 months ago, However, when ever I see someone on here talj about Kioti, Badboy or TYM pricing, I check their website and 9 times out of 10, they are equal to or better than someone else's dealers "fire sale" prices.

Don't work for them, and don't get a kick back, but anyone within about 3 hours of Jacksonville FLa, it's atleast worth pulling up their website. If foe no other reason than a sanity check on prices.

 

[paulsharvey]

Here are the prices as of 9/08/2024 on similar models to the board. Looks like roughly 10% increase after 18 months, and the new '20 series model change.

 

[paulsharvey]

For comparison, it doesn't look the TYM models had as much of an increase. I know for a fact the TYM 2515 was $1500 more than the Kioti CK2610H at the time of my purchase.

 

[jyoutz]

Those cash prices are really good.

Maybe it’s just Kubota that doesn’t have significant cash discounts. I only shopped Kubota and JD because those and Mahindra are the only dealers we have in the local area. And I wasn’t interested in Mahindra.

 

[jyoutz]

I’ve seen dealers advertise pricing as you have shown, cash vs finance. My local Kubota dealer will absorb the finance charges and charge the finance buyers the same as the cash price.

Mike

That was my experience also.

 

[arrow]

When I worked out the math, I was thousands of dollars ahead paying more and taking the free money for 84 months and investing that $$

No such thing as “ free money” unless you rob someone of theirs and not get caught.

 

[paulsharvey]

For me, the 7% or so conventional fiancing was a lower monthly payment, at the same length, as 0% with the extra price, so a no brainer. Yeah it's only like $8/month, or so, but also, if I come into a windfall, and decide to pay off in full, I'm way ahead.

Atleast with where/how I bought, the zero percent was basically just pre-paid intrest.

 

[paulsharvey]

Kubota runs their own bank, don't they? I know Deere does, so that probably affects things.

Honda power sports side does, and they offer better intrest or no required extra insurance, and other incentives, to prop up their sales.

 

[jyoutz]

I’m sure that the required KTAC insurance pays for part of the financing. But I’m good with that. The insurance is pretty good.