For my 2 cents.... and I'm getting off topic but.....You must really decide you need or want the tractor....Buying it to do a few jobs in your yard then selling it is not a smart thing in my opinion....I looked at well used, used ones, & newer ones that had low hours from people who did the jobs they wanted, and no longer need the tractor.....I'm basically in that category however, I plan to keep my BX23S for ever, & pass it on....I don't regard a tractor like a car or truck, Its just a tool... So the zero % was a no brainer and pushed me over the top to buy new vs used.......