I made a deal with my dealer towards the end of the month last month, but said I didn't want to do the paperwork until after April 1, to see if the finance charges changed any. Well today he called me up, said come on it, that Kubota dropped their interest from 3.99% for 3 years, down to 0% for 3 years, a savings of $20-something / month. Anyways, just thought I'd post, for those guys riding the fence of whether or not buying one, maybe this'll be helpful. You might as well use Kubota's money. For those that are paying the 3.99% or more.... sorry, man.