Financing Trading CK35 HST for DK40SE HST

[chuckwoodward]

I'm considering trading my 2013 CK35 HST in for a DK40SE HST and wondering what is better, the cash rebate or "free loader"?

I bought the CK35 last year to replace a 6 year old New Holland TC35D. I thought the smaller size would be more convenient until I started mowing and baling hay this year, it just doesn't have the ground clearance. I love the tractor except for one other issue and that is the hydraulics leak down. If I park it with the loader 2 feet above the ground, within an hour it's on the ground. It even leaks down as you are operating it. The mechanics at the dealer, say that some creep is normal. I've had 3 different New Hollands and never had this issue.

My local dealer says he can still get the DK40SE, but they are getting real hard to find so if I want one I should decide fast. I think they are a lot more tractor for the money and just wondered what the difference in the rebate deals would be. I'm told the cash rebate is $3800 and have no idea what the free loader value would be..

 

[mguitas]

:welcome:Some hydraulics leak down , an some don't. It's that simple.

 

[jtygoku]

I took the free loader option on my DK40SE last year but the other option then was a break on the interest. Since I paid cash, the loader was the way to go. I'd have the dealer(s) give you their best price both ways - should make the decision simple.
FWIW - I originally had intended on purchasing a CK30 but after seeing that a somewhat nominal price increase would get me into the DK, went that way. The CK would have handled 90-95% of what I've done with the DK, but sure is nice having a little extra tractor those few times you need it.

 

[k0ua]

Some leakdown is normal, but my DK35se is more like maybe 1/2 in inch or so in an hour not 2 foot.

 

[engine29]

Free loader is your better deal by @$200. You can't get the 0% though w/ the free loader, you get 5.5% which is fine. It's either pay more and get 0% or get a better deal at 5.5%. They balance out to be the same.