Thanks for all you do! Ive been watching your comparison videos for quite some time just trying to learn all I can about which mower I should invest in as there are so many great options out there! This video really helps me understand the financing aspect to buying a mower as it always has been a little confusing. I dont mow a ton but really want to upgrade to a zero turn from my older lawn tractor I've had for about 10 years. I've been leaning toward the Bad Boy Elite but recently seeing the new Stihl line up among others, Im just not sure which way to go and the supply issues are not helping lol! Wish I lived closer (30277) bc I would definitely buy from you, a brother in Christ! Praying for God to use you in mighty ways on your mission trip and that His perfect will be done through you and your willingness to go! God bless you, your family and your business! Happy Resurrection Day my friend!
We have alot of customers in your state. What I’ve had some do is recruit family and friends and get 3 or 4 mowers sold then we personally deliver. We’ve had that happen plenty of times. Thank you so much for the long distance support and prayers for sure 🔥🔥. I pray for you a season of radical Joy this year. The enemy has tried to steal joy from us for far too long it’s time for joy to break out and break through this year 🙌🏽
Ty so much :). Ever since I said yes to this trip finally literally all “hell” has broke loose here. We are finally starting to see things smooth out and things come into place. It was almost too much for my wife and me. The worst resistance I’ve ever felt. We had church issues. Family issues. Friend issues, financial issues, even had some key employees walk out, right before I’m leaving, it’s been crazy.
Do you guys offer a military/disabled vet discount? Your videos seem very transparent, and I need to mow! LOL... seriously though, if a cash buy, is there any discount and/or what is needed for Ag exemption? I again would like to say, I appreciate the transparency, and what seems to be honest feedback on your machines! I'm looking for a stand on, and some of your videos really are steering me towards BadBoy. Wanted a SCAG, but I am not making money mowing (right now), I just want quality. We have over 2 acres, but a lot is mowed with a tractor. Would love to make the "yard" portion look great without using my push mower! Lol
Scag offers the biggest military discount. Hustler is good, grasshopper not bad, bad boy is a little as well. For ag exempt you just have to present your tax exempt card from the state. For cash, most dealers list that price upfront, then simply add the financing fees they vary per mower, brand, and promo you take
Hi Kevin. If you have time for my question , thank you. I determined I'm going with the grasshopper mower either 125v or 226v. my question are the hydogear 4400's on the 226v a better option and worth the extra money than the Parker HTE's on the 125v ? I really liked the idea of having Intergraded components of the Parker HTE. I have 3-5 acres with hilly terrain. Do you have or can you make a video going in to a deeper comparison of the two types of transmissions. Advantages vs Disadvantages? Thanks in advance.
John Deere charges me a acquisition fee about 400 or 500 dollars and no interest. Also sales tax and insurance if you want it. I also get a Green fleet discount and a store discount 😁 but the price they quote me is always the same Briggs and synchrony is about the same acquisition and sales tax they have no insurance be safe and God bless 😊
Just add the total to the sale price it's easier to deduct from the total than to add to the total. When you deduct people think they're getting a deal but in reality they're not.
The only thing that would be bad for us is we would be more expensive than the advertised prices, and other dealers around us on ads. Also on phone shoppers when the call around. That’s why car dealers have a universal language of doing all they can to not give the price because of the financing.
I wanted to add the extended warranty as well to the price and make people sign a paper saying they were declining the extended warranty since it was so good, but that would make me instantly $300 to $500 more than a dealer 45 minutes away.
No never buy anything from a box store that requires a mechanic and warranty. Drive to the cub cadet dealer doesn’t matter how far away and buy the same mower there. That is the place that will have to fix it if it breaks down or you will need a part from. If you didn’t buy it there you will have to go through tsc channels to get fixed and sometimes it’s months to get your mower back 🙈.
Yes. It feels like something is about to break loose big. The harvest is ripe and the workers are few. Very few missionaries are going into Iraq Iran turkey and Pakistan and there are so many hungry for the Truth, the Life, the Way. They are praying many times a day for it, having dreams about this man with His hand out telling them in their dreams to follow Him who is the right path. It takes people filled with the Spirit of God to hunger to show them and reveal to them the one whom their dreams tell them about 🙌🏽🙌🏽🔥🔥
I am struggling with this. I am in the market for a mower and have locked in on Gravely, Bad Boy and Hustler. I went to all three dealers and they say exactly what you say. However, the local Cub Cadet dealer quoted me the cash price land I then asked is there a finance promotion and he said Cub would do it for 0% for 48 months. I financed a lawn tractor 5 years ago with them doing the same thing. If the finance company is giving me 0% for 48 months (not u financing it but another company like Sheffield), and u are getting your money from them, I feel like I am getting penalized by paying 10% more for the mower, so I’m not getting it 0%, it’s costing me money. It would be less to take the cash price, add the 3% credit card fee and buy it right? I love your videos and you have given me all I need to know about mowers, there is none better. Please help me with this.
So hustler and gravely pay most of the fee for you. It’s actually 12.5% now extra. So bad boy it will be 12.5% for 0% through sheffield, with gravely and hustler only costing 7% buy down fee to get it t0 the 0% for 48 months. You can do yard card for 0% for 60 months with the same fees. Your credit card will not give you any better than 0% for 18 months, but they charge around 6% fee upfront if you use one of their credit card checks, or have them do it over the phone and deposit into your checking account (I used to do this a lot when I got in a bind through the winter I would get 50k to 100k to help pay bills then pay it off in May when we started getting busy
@@kgmowers Thank you for the explanation, as usual, you are the best around with videos on mowers and I for one can't thank you enough. Please keep them coming.
So in general anyone financing a mower there's going to be a % upcharge in many instances. I'm looking at a 42" mower around $4k, if I were to put $2k down how likely is it I would get financing ? Is that common for people to put half down or less ?
I got a Kohler 60 inch maverick about 2 years ago and sheffield financed 0% but charged a 250 fee so I'm paying 135 a month. Looked recently and this offer doesnt seem to be available any longer and of course the mower is 4-500 more today too.
I know I am late to the game but where are you? Also, what time of year are the best sales for these mowers? I am moving to Des Moines next week and will be in the market for a good mixed use personal/maybe a few yards near my house mower. I am 64 years old and will be happy to make the mower pay for its self and give me a few bucks to ad to SSI. Also in the market for a good snow blower, same rules apply. Thank you, be safe, and God Bless.
Right now. September all the prices go up like clockwork. We are in Paris, Tx. Bad boy is running a summer sale right now first time we’ve seen a deal since corona
@@kgmowers love your videos and thank u for breaking these things down that way its no misunderstanding when customers come to buy. Why do they do they go up in september when the season is coming to an end? thanks
😂. I went from a push mower to a $14k grasshopper to mow my one acre and mow my neighbors to pay the payment. I’m so glad I did it helped me fall into this business. My new truck was 10900 that I picked it up in. My wife almost murdered me our house was worth 25k we lived in 😂. I’m so glad I started making over 100k mowing grass on that mower after getting a few yards and cemeteries around me.
Called and asked about bar lug tire option for new grasshopper front mount they have in stock. Answer , ha ha ha , why? nobody has Ever asked that question ! 2022 GRASSHOPPER 524V42 Zero Turn Lawn Mowers Outdoor Power Price:USD $8,499 i'll buy where i can get my dumb ass question answered. never got to ask can you deliver this week😠
Yes you can get those. They give you a little more tread as well. I’m not sure they will fit on the 42 though. I know they do on the 52. You may have to find an aftermarket option if grasshopper doesn’t offer them that small. Yes they can deliver this week.
@@TexasKen a banks only source of income is interest. No say any of them could do 0% for free. All of our companies are frustrated because the cost of 0% is now 13%. Even when I tell someone they can get 4.99% they freak out and want to leave. They all want 0% even though it’s so expensive. 🙈. Car industry we are used to “cash rebates”. I asked a salesman one day, oh you actually hand me cash back? They laughed said no that’s just what the special financing costs. I’ve seen furniture marked up 200% at Nebraska furniture mart and offering 0% for 7 years. My dad got a $6k sectional from my buddy in my pleasant for $1600 because he simply just paid cash for it instead of the 7 years at Nebraska 🙈.
It depends on if your gonna pay it off faster or not. If your gonna let it ride the whole 36 48 or 60 months and not gonna sell it or trade in a few years it’s better to take the 0%.
There is no such thing as real 0%. Banks couldn’t stay in business that way. Everything we buy right now if it’s lower than 8% interest that the feds set its costing somewhere whether they hide it from you in the price, offer a “cash rebate”, or they just show it to you like we do
You’ve seen it for years. With cars, tractors, furniture. When I bought my truck is was $4k (cash discount) if I didn’t use financing. It cost 4k for the 0%. I took 4.90% and paid the 56k advertised price instead of paying over 60k. Furniture store offered my dad a living room set for 7 years no interest. We had it delivered to the house the same exact set just paying cash for it for $3k less than the 7 year store. No bank anywhere will ever give free interest. They always have to make money or they wouldn’t be in business. Most companies are good at hiding it in the price, or offered a (cash rebate). We are honest and straight forward and give everyone a choice. Same as 5 year warranties. They charge more for the unit to offer extended warranties. It’s better when we know and can choose. Some love warranties, to some it’s cheaper to save money upfront and take the risk. Nothing illegal about charging for interest. You have to “buy it down”. Ever bought a house? A good bank will offer you a chance to “buy down” your interest points. Right now at 7% you will pay 20 times for your house. If you pay say 15k extra to the bank upfront they will lower the interest to 5% and save people sometimes 100s of thousands in interest over the years for getting a little more upfront.
@Kevin Kelley you're confusing rebates in at least one of your examples. Your example of the car loan was 0 percent OR a discount. What didn't happen was you being offered a given sticker price and then being told you have to pay above sticker.
@@mikezupancic2182 yes sticker price was 56k. When I sit down to sign my papers the interest was 4.9%. I told them I saw they had 0% for 72 months advertised on tv for well qualified buyers. They said oh we didn’t know you wanted the 0%. Then I sit down to sign papers and noticed the truck was almost 61k. I asked and they said oh yeah that’s what the 0% costs. I went back to the 4.99% and rolled on. So yes I would have paid 4k extra to take 0%. It’s the same thing no matter how someone words it.
@kgmowers I watched the video again and your explanation of the auto dealer only shows you got ripped off by a scam. When dealers have promotions they're from the factory. You get one OR the other. In no case is the price higher than MSRP (c cold times excluded) In mower terms it would be like the factory saying MSRP is 12k. You can either get 1500 off or 0%. Now that's from the FACTORY. That wouldn't include any additional discounts I might get through negotiations. So I might take the 0% but negotiate a thousand dollar discount from you, which is separate from the factory offer. So instead of paying 12k and zero interest I'm paying 11k. (Or if I elect the rebate instead of 0% I'd pay 9500 as I'd get the 1500 off plus the 1k negotiated dealer discount. (And I could jet get a loan through a credit union.) Also, when I look at all the yard card or Sheffield materials on line it shows nothing about buying down the interest rate. The only fee they show is the $125 origination fee. Now I understand that prime rate is 5% right now, but there may be something as simple as the mower mfg paying the fee on there end, as many companies do to get their products sold.
@@mikezupancic2182 the msrp for these mowers is waaay higher. So definately none of them would ever be over msrp. That is true yard card is 29% and sheffield is 12.99% if you take their standard financing that they only charge the 125 or $150 charge for. Any other rate comes with a cost depending on the manufacturer. Some pay for part of the fee in the price of the mower, and some do not. Right now stihl is the only one paying for all of the fees and allowing the mower to be sold at the cash price with promo financing. However you word it you still pay for it to get any better than 29% or 12.99% at sheffield or yard card. The people that are too worried about we just ask them to run an invoice for the cash price up to their local banker and bring us back a check from them the ones that it bothers :). Banks are doing around 8% right now straight usually only get a $100 fee or so for application
Most expensive mower business in the history of the world. Yes. Let me pay 10k for a mower that rusts in 3 years after the warranty expires . The whole time they deny any coverage when the mower breaks. Lol.
Some people don’t change the price just give one price. We used to do that, but would lose a lot of cash buyers that way. So now we only advertise cash price and then financing is usually more. 0% for 60 months is 7% or so right now so no dealer can afford to absorb that much and stay in business long.
@@kgmowers when I bought my 22 hustler super z the dealer I got it from price didn’t change if I paid cash or took a loan out. Took a loan since it was 0% for 5 years.
![How To Properly Maintain A Zero Turn Mower! [Don't Skip These Items!]](http://i.ytimg.com/vi/Y90u1HALq8g/mqdefault.jpg)
Will pray for you brother may God keep you safe!
Wow you have an awesome looking place Kevin! and I did not know Stihl made ZTR mowers. :D and good luck to you on your mission trip.
Pakistan was awesome. I posted 2 videos on here where we got to free slaves it was amazing!!
Thanks for all you do! Ive been watching your comparison videos for quite some time just trying to learn all I can about which mower I should invest in as there are so many great options out there! This video really helps me understand the financing aspect to buying a mower as it always has been a little confusing. I dont mow a ton but really want to upgrade to a zero turn from my older lawn tractor I've had for about 10 years. I've been leaning toward the Bad Boy Elite but recently seeing the new Stihl line up among others, Im just not sure which way to go and the supply issues are not helping lol! Wish I lived closer (30277) bc I would definitely buy from you, a brother in Christ! Praying for God to use you in mighty ways on your mission trip and that His perfect will be done through you and your willingness to go! God bless you, your family and your business! Happy Resurrection Day my friend!
We have alot of customers in your state. What I’ve had some do is recruit family and friends and get 3 or 4 mowers sold then we personally deliver. We’ve had that happen plenty of times. Thank you so much for the long distance support and prayers for sure 🔥🔥. I pray for you a season of radical Joy this year. The enemy has tried to steal joy from us for far too long it’s time for joy to break out and break through this year 🙌🏽
Very beautifull my respectfully brother
Thanks for the info.
prayers from Ky
Ty so much :). Ever since I said yes to this trip finally literally all “hell” has broke loose here. We are finally starting to see things smooth out and things come into place. It was almost too much for my wife and me. The worst resistance I’ve ever felt. We had church issues. Family issues. Friend issues, financial issues, even had some key employees walk out, right before I’m leaving, it’s been crazy.
So then it’s not 0%.
More confused then before I watched thanx
Oh no I’m sorry 🙈🙈. I was hoping these would shed light and help people make an informed decision
Do you guys offer a military/disabled vet discount? Your videos seem very transparent, and I need to mow! LOL... seriously though, if a cash buy, is there any discount and/or what is needed for Ag exemption?
I again would like to say, I appreciate the transparency, and what seems to be honest feedback on your machines! I'm looking for a stand on, and some of your videos really are steering me towards BadBoy. Wanted a SCAG, but I am not making money mowing (right now), I just want quality. We have over 2 acres, but a lot is mowed with a tractor. Would love to make the "yard" portion look great without using my push mower! Lol
Scag offers the biggest military discount. Hustler is good, grasshopper not bad, bad boy is a little as well.
For ag exempt you just have to present your tax exempt card from the state.
For cash, most dealers list that price upfront, then simply add the financing fees they vary per mower, brand, and promo you take
Can you please make a overview and test drive video of the Vitacci Victory 450?
Hi Kevin. If you have time for my question , thank you. I determined I'm going with the grasshopper mower either 125v or 226v. my question are the hydogear 4400's on the 226v a better option and worth the extra money than the Parker HTE's on the 125v ? I really liked the idea of having Intergraded components of the Parker HTE. I have 3-5 acres with hilly terrain.
Do you have or can you make a video going in to a deeper comparison of the two types of transmissions. Advantages vs Disadvantages?
Thanks in advance.
It’s way better. Not to mention the bigger gas tank, bigger wheels and tires, waaay better engine etc.
John Deere charges me a acquisition fee about 400 or 500 dollars and no interest. Also sales tax and insurance if you want it. I also get a Green fleet discount and a store discount 😁 but the price they quote me is always the same Briggs and synchrony is about the same acquisition and sales tax they have no insurance be safe and God bless 😊
I’ve never heard it called acquisition fee. I used to put bank fee on our invoices and the banks started making us put “dealer fee” instead.
Just add the total to the sale price it's easier to deduct from the total than to add to the total. When you deduct people think they're getting a deal but in reality they're not.
The only thing that would be bad for us is we would be more expensive than the advertised prices, and other dealers around us on ads. Also on phone shoppers when the call around. That’s why car dealers have a universal language of doing all they can to not give the price because of the financing.
I wanted to add the extended warranty as well to the price and make people sign a paper saying they were declining the extended warranty since it was so good, but that would make me instantly $300 to $500 more than a dealer 45 minutes away.
@Kevin I sent in an email to get some information on a mover early last week and haven't heard back. How long does it usually take?
Sorry never saw it. Just found you and sent you a message
Looking at getting a Cub Cadet 50lt at tractor supply for 0% interest for 48 months, is that lwgit and good?
No never buy anything from a box store that requires a mechanic and warranty. Drive to the cub cadet dealer doesn’t matter how far away and buy the same mower there. That is the place that will have to fix it if it breaks down or you will need a part from. If you didn’t buy it there you will have to go through tsc channels to get fixed and sometimes it’s months to get your mower back 🙈.
Tensions are high in the Middle East.
Yes. It feels like something is about to break loose big. The harvest is ripe and the workers are few. Very few missionaries are going into Iraq Iran turkey and Pakistan and there are so many hungry for the Truth, the Life, the Way. They are praying many times a day for it, having dreams about this man with His hand out telling them in their dreams to follow Him who is the right path. It takes people filled with the Spirit of God to hunger to show them and reveal to them the one whom their dreams tell them about 🙌🏽🙌🏽🔥🔥
I am struggling with this. I am in the market for a mower and have locked in on Gravely, Bad Boy and Hustler. I went to all three dealers and they say exactly what you say. However, the local Cub Cadet dealer quoted me the cash price land I then asked is there a finance promotion and he said Cub would do it for 0% for 48 months. I financed a lawn tractor 5 years ago with them doing the same thing.
If the finance company is giving me 0% for 48 months (not u financing it but another company like Sheffield), and u are getting your money from them, I feel like I am getting penalized by paying 10% more for the mower, so I’m not getting it 0%, it’s costing me money.
It would be less to take the cash price, add the 3% credit card fee and buy it right?
I love your videos and you have given me all I need to know about mowers, there is none better. Please help me with this.
So hustler and gravely pay most of the fee for you. It’s actually 12.5% now extra. So bad boy it will be 12.5% for 0% through sheffield, with gravely and hustler only costing 7% buy down fee to get it t0 the 0% for 48 months. You can do yard card for 0% for 60 months with the same fees.
Your credit card will not give you any better than 0% for 18 months, but they charge around 6% fee upfront if you use one of their credit card checks, or have them do it over the phone and deposit into your checking account (I used to do this a lot when I got in a bind through the winter I would get 50k to 100k to help pay bills then pay it off in May when we started getting busy
@@kgmowers Thank you for the explanation, as usual, you are the best around with videos on mowers and I for one can't thank you enough. Please keep them coming.
So in general anyone financing a mower there's going to be a % upcharge in many instances. I'm looking at a 42" mower around $4k, if I were to put $2k down how likely is it I would get financing ? Is that common for people to put half down or less ?
Yes as long as you do regular financing. The rent to own banks will only want the requirement down.
I got 0% for 60 and no price change on a hustler
I got a Kohler 60 inch maverick about 2 years ago and sheffield financed 0% but charged a 250 fee so I'm paying 135 a month. Looked recently and this offer doesnt seem to be available any longer and of course the mower is 4-500 more today too.
How do those Stihl mowers compare to the other mowers like Bad Boy
They are awesome. They cost a little more of course priced more like Ferris toro Exmark Wright etc….
I know I am late to the game but where are you? Also, what time of year are the best sales for these mowers? I am moving to Des Moines next week and will be in the market for a good mixed use personal/maybe a few yards near my house mower. I am 64 years old and will be happy to make the mower pay for its self and give me a few bucks to ad to SSI. Also in the market for a good snow blower, same rules apply. Thank you, be safe, and God Bless.
Right now. September all the prices go up like clockwork. We are in Paris, Tx. Bad boy is running a summer sale right now first time we’ve seen a deal since corona
@@kgmowers love your videos and thank u for breaking these things down that way its no misunderstanding when customers come to buy. Why do they do they go up in september when the season is coming to an end? thanks
@@jasoncarr5595 sept 15th is our end of year and beginning of the new year in the mower world basically.
A higher price for zero percent interest sounds kinda scamy, no offense.
They do this everywhere. Trucks, houses, furniture. Banks don’t give out less than the fed rates without compensation to buy the rates down
Yes, creative scamming. Get you a Lowes card and buy one for 0% for 24 months. Same price as cash.
These are car prices! And you still have to cut the grass!
😂. I went from a push mower to a $14k grasshopper to mow my one acre and mow my neighbors to pay the payment. I’m so glad I did it helped me fall into this business. My new truck was 10900 that I picked it up in. My wife almost murdered me our house was worth 25k we lived in 😂. I’m so glad I started making over 100k mowing grass on that mower after getting a few yards and cemeteries around me.
@@kgmowers there seriously can’t be that much business out there can there? And I’m sure now you have to weed eat as well.
How much credit to approved?
0% you must have 680 and up. I have financing available through other banks as low as 500 and up, then we have 2 no credit options
Whether Jesus is made in China or not,hearts are all made from God I think.
Called and asked about bar lug tire option for new grasshopper front mount they have in stock.
Answer , ha ha ha , why? nobody has Ever asked that question !
2022 GRASSHOPPER 524V42
Zero Turn Lawn Mowers Outdoor Power
Price:USD $8,499
i'll buy where i can get my dumb ass question answered.
never got to ask can you deliver this week😠
Yes you can get those. They give you a little more tread as well. I’m not sure they will fit on the 42 though. I know they do on the 52. You may have to find an aftermarket option if grasshopper doesn’t offer them that small. Yes they can deliver this week.
A way to finagle the system
.. 0%.... but wait lol
@@TexasKen a banks only source of income is interest. No say any of them could do 0% for free.
All of our companies are frustrated because the cost of 0% is now 13%. Even when I tell someone they can get 4.99% they freak out and want to leave.
They all want 0% even though it’s so expensive. 🙈. Car industry we are used to “cash rebates”. I asked a salesman one day, oh you actually hand me cash back? They laughed said no that’s just what the special financing costs.
I’ve seen furniture marked up 200% at Nebraska furniture mart and offering 0% for 7 years. My dad got a $6k sectional from my buddy in my pleasant for $1600 because he simply just paid cash for it instead of the 7 years at Nebraska 🙈.
You might be better off paying interest rather than 0 percent interest??
It depends on if your gonna pay it off faster or not. If your gonna let it ride the whole 36 48 or 60 months and not gonna sell it or trade in a few years it’s better to take the 0%.
So really not zero percent..... Bait and switch. No interest we just charge you for the interest up front and then spread it out..... Got it.
There is no such thing as real 0%. Banks couldn’t stay in business that way. Everything we buy right now if it’s lower than 8% interest that the feds set its costing somewhere whether they hide it from you in the price, offer a “cash rebate”, or they just show it to you like we do
14k for a mower plus 11% if u finance. Lmao.
Only if you take the 0%, it’s getting really expensive to buy now since interest is up around 8% apr
Not sure how advertising 0% or any percent and then charging you more isn't completely illegal.
You’ve seen it for years. With cars, tractors, furniture. When I bought my truck is was $4k (cash discount) if I didn’t use financing. It cost 4k for the 0%. I took 4.90% and paid the 56k advertised price instead of paying over 60k. Furniture store offered my dad a living room set for 7 years no interest. We had it delivered to the house the same exact set just paying cash for it for $3k less than the 7 year store.
No bank anywhere will ever give free interest. They always have to make money or they wouldn’t be in business. Most companies are good at hiding it in the price, or offered a (cash rebate). We are honest and straight forward and give everyone a choice. Same as 5 year warranties. They charge more for the unit to offer extended warranties. It’s better when we know and can choose. Some love warranties, to some it’s cheaper to save money upfront and take the risk. Nothing illegal about charging for interest. You have to “buy it down”. Ever bought a house? A good bank will offer you a chance to “buy down” your interest points. Right now at 7% you will pay 20 times for your house. If you pay say 15k extra to the bank upfront they will lower the interest to 5% and save people sometimes 100s of thousands in interest over the years for getting a little more upfront.
@Kevin Kelley you're confusing rebates in at least one of your examples. Your example of the car loan was 0 percent OR a discount. What didn't happen was you being offered a given sticker price and then being told you have to pay above sticker.
@@mikezupancic2182 yes sticker price was 56k. When I sit down to sign my papers the interest was 4.9%. I told them I saw they had 0% for 72 months advertised on tv for well qualified buyers. They said oh we didn’t know you wanted the 0%. Then I sit down to sign papers and noticed the truck was almost 61k. I asked and they said oh yeah that’s what the 0% costs. I went back to the 4.99% and rolled on. So yes I would have paid 4k extra to take 0%. It’s the same thing no matter how someone words it.
@kgmowers I watched the video again and your explanation of the auto dealer only shows you got ripped off by a scam. When dealers have promotions they're from the factory. You get one OR the other. In no case is the price higher than MSRP (c cold times excluded)
In mower terms it would be like the factory saying MSRP is 12k. You can either get 1500 off or 0%. Now that's from the FACTORY. That wouldn't include any additional discounts I might get through negotiations. So I might take the 0% but negotiate a thousand dollar discount from you, which is separate from the factory offer. So instead of paying 12k and zero interest I'm paying 11k. (Or if I elect the rebate instead of 0% I'd pay 9500 as I'd get the 1500 off plus the 1k negotiated dealer discount. (And I could jet get a loan through a credit union.)
Also, when I look at all the yard card or Sheffield materials on line it shows nothing about buying down the interest rate. The only fee they show is the $125 origination fee. Now I understand that prime rate is 5% right now, but there may be something as simple as the mower mfg paying the fee on there end, as many companies do to get their products sold.
@@mikezupancic2182 the msrp for these mowers is waaay higher. So definately none of them would ever be over msrp. That is true yard card is 29% and sheffield is 12.99% if you take their standard financing that they only charge the 125 or $150 charge for. Any other rate comes with a cost depending on the manufacturer. Some pay for part of the fee in the price of the mower, and some do not. Right now stihl is the only one paying for all of the fees and allowing the mower to be sold at the cash price with promo financing. However you word it you still pay for it to get any better than 29% or 12.99% at sheffield or yard card. The people that are too worried about we just ask them to run an invoice for the cash price up to their local banker and bring us back a check from them the ones that it bothers :). Banks are doing around 8% right now straight usually only get a $100 fee or so for application
Most expensive mower business in the history of the world. Yes. Let me pay 10k for a mower that rusts in 3 years after the warranty expires . The whole time they deny any coverage when the mower breaks. Lol.
Rust usually isn’t covered by warranty. That’s just something metal does sometimes after getting the powder coat or paint scratched off
I got 0% for 60 and no price change on a hustler
Some people don’t change the price just give one price. We used to do that, but would lose a lot of cash buyers that way. So now we only advertise cash price and then financing is usually more. 0% for 60 months is 7% or so right now so no dealer can afford to absorb that much and stay in business long.
@@kgmowers when I bought my 22 hustler super z the dealer I got it from price didn’t change if I paid cash or took a loan out. Took a loan since it was 0% for 5 years.