new vs used Kubota tractor

[dirt.Donkey]

I’m weighing the math on buying a new kubota tractor vs a used one. I’m not a monthly payments person. if I can’t pay cash, I don’t buy. But I had a thought: if I get 0% financing, I could put the full purchase price into a mid-level investment account instead of handing it to the dealer.
The auto-payments would pull from that account, and whatever is left at the end (plus the interest earned) is basically my "cash discount." If that growth (say, 5%) beats the dealer’s rebate for paying cash, then new might actually be the smarter play.
I just bought my first property that actually needs a real tractor, so I’m curious—how do you guys weigh the "cash rebate" against the long-term value of keeping your money in the market while using 0% APR?

 

[Cooperhawk]

I bought used and paid cash because my Wife is wise and never wants to pay interest. The other side of the coin is, are you doing business with it and is the interest deductible? Can you take "Depreciation" deductions on it.

 

[Alan]

If the money you invest makes more than the cash discount you'd receive by paying upfront and there are no sneaky loan fees then opting for 0% financing is definitely the smarter choice for your finances.