Zero percent financing is never really zero. The purchase price of a zero percent finance machine is always going to be higher than a cash transaction. I realize there may not be many people that can afford to pay cash for a machine.
The trade in value of your tractor is directly related to the purchase price of your new machine. Also never believe 0% financing. The final purchase price of your new machine is ALWAYS adjusted higher if you're using zero percent financing to Make up for the use of Someone elses money...