New T4020 vs. Used TN75A

[mundamanu]

I was wondering what your thoughts might be on a new T4020 vs a used TN-75A. Both are 4wd with loaders. The used TN-75A has 2300 hours on it. I haven't seen it yet, but the tires are supposed to be about 90% and the dealer says it is sharp.

I haven't gotten a firm price from the dealer on the T4020 yet, but it sounds like it will be "close" to $25000 ($26,000? $27500? $30,000?). The TN-75A is $22000.

Financing on the T4020 will be 0% for 60 months.

Initially I will be using the tractor primarily as a loader tractor to move baleage, round baled dry hay, and palleted 275-gallon poly water totes, and also to plow just five to ten acres per year, in addition to bush hogging and other typical chore stuff. Within five years, I will likely be making round baled hay with the tractor and plowing up to twenty acres per year. In terms of useage, is there any reason to go with the TN-75 over the T4020?

Thanks,
Bob

 

[RickB]

The first question is how much will you miss the 15% horsepower you give up buy choosing the T4020? How are the two tractors equipped? Next, How much is the actual dollar difference between the two, and what value do you place on the additional warranty coverage and lower finance rate a new tractor purchase provides? The T4000 series has some operational and design advantages over a TN, but they are subtle.

I think you should make the comparison between the used TN and a new T4030 SIMILARLY EQUIPPED, at least on paper to see what the cost/benefit of each tractor really is.

 

[mundamanu]

I guess how much I would miss the 15% horsepower was part of my question. Given my plans, will I miss it?

Does the jump from the t4020 to the tn75 enable one to do significantly more? Can a tn75 pull a four bottom versus a three bottom plow, for example? If so, how much money is that extra bottom worth? Can the tn75 power a bigger discbine? Again, if so, how much is that extra width worth? Etc.

My own impression, which is based on only a little practical experience, is that the additional horsepower will not be worth it, especially given the financing. Zero percent for 60 months on $25,000 would save about $3300 over $25000 at 5% for 60 months . So, the tn75 would have to be $3300 cheaper in order to make it worth it, just on the money. Then you take into consideration the warranty, the engine hours, the wear and tear, etc., and it seems like the new t4020 is the way to go. But, I might be wrong, which is why I was wondering if anybody thought the additional power in the tn75 might be worth it.

(I am assuming each has a standard configuration. If one has some add-ons, then that would obviously change the calculation a bit)

 

[Robert_in_NY]

What Rick is saying is price out a T4030 which is an apples to apples comparison to the TN75. this way you can compare prices much easier. I own a TN65 and I know the TN75 won't pull bigger implements so much so as it will pull the same implements much easier through the tough spots. I wish I had the extra hp of the TN75 (actually, I wish I had the hp of the TN95) as I pull a 3-14 plow, 12' disc as well as a 9' discbine and NH 575 baler. The TN65 does the job but it yells at me while doing it. When I bought the TN65 all I wanted to do was maintain our property and use it on job sites from time to time. It was plenty big enough for that but is kind of small for my uses now. I plow 30-40 acres a year with this tractor and plan on trading it in around 3500 hours so I have a few more years to go.

 

[RickB]

(I am assuming each has a standard configuration. If one has some add-ons, then that would obviously change the calculation a bit)

Your first mistake is not being aware of how each tractor is equipped. Price difference analysis is impossible.

 

[Nelson Dairy]

If it was me i would go for a T4000, because it will have a 4 cylinder compared to the 3 cylinder that the TN75A has. if you are going to do alot of loader work the extra cylinder will give you a longer wheel base. but i would atleast get the price of a T4030, that is the comparable size to the TN75A. You hardly ever hear anyone say that they wish they had a smaller tractor, it is always i wished i had more power.

 

[AndyMA]

If it was me i would go for a T4000, because it will have a 4 cylinder compared to the 3 cylinder that the TN75A has. if you are going to do alot of loader work the extra cylinder will give you a longer wheel base. but i would atleast get the price of a T4030, that is the comparable size to the TN75A. You hardly ever hear anyone say that they wish they had a smaller tractor, it is always i wished i had more power.

Just what are you trying to imply? That 4 cylinders are better than 3? I own both a 4 cyl 22 year old 2120 and a 6 year old 3 cyl TN75D. They are both great engines. 4 cylinders doesn't always give you wheelbase, that sounds silly. Look at specs.

Andy

 

[dgl24087]

You get a whopping 2 in. more wheelbase with a T4030 over a TN75 according to NH web site.

 

[mundamanu]

Not as "close" as I thought we would get on the new t4020 -- $39,000, including the loader (base configuration). That seems high to me, but it has been a few years since I have priced new tractors.

At that price, the TN75 seems like a better deal, even when you figure financing, warranty, etc., and that 20% of the life of the TN75 is used up.

What do you think about the price on the t4020 and the decision between the two at that price?

 

[hotchkiss]

I would pass on the TN75A. If you are willing to buy a used TN model, you could probably find a better deal. I know I have seen them within the last 12 months. I bought a new TN95A within the last twelve months and I only paid a little over 30K for it and it is loaded including a Quickee loader and bucket.

NH will continue to make the newer model every day so there will be plenty of them around if you can't find a good used one in a reasonable time.

As for horsepower, my position is to always buy more than you need in a utility tractor. I have often said I would like to have a little more hp in a utility tractor, but have never said I have too much.