I understand the allure, just surprised how many folks don’t realize they are paying for the “free” financing, plus many then over-buy under the theory it’s “free” money. And then we wonder why most Americans don’t have a 60 day emergency fund or any retirement savings. We need better Econ training in school.No not free but comparatively easy money. 1 stop on the road of consumptive bliss verses 2. Well understood among high ticket dealers of all stripes. Henry Ford may have pioneered the installment payment notion. Watch television , lots of automobile commercials many highlighting the easy/low financing cost. The Federal Reserve maintains a website and tracks this very closely. A key measure of the health of the US economy. The ability of Kubota to offer easy and attractive financing is arguably vital to their success in my opinion.