When I was looking at a used tractor, Kubota wouldn't acknowledge if the tractor was financed, or even the selling dealer or date of sale. In fact, the woman hung up on me when I asked a second question after she said that they give out no information at all whatsoever. The original selling dealer confirmed for me that the tractor was paid in full upon purchase, so I asked for the Certificate of Origin, to prove that I own the tractor in the future.
With free financing, what is to keep someone from buying a tractor and financing it, and then selling it before it is paid off? If the new owner were to take it to a Kubota dealer for service, and the tractor serial number was listed on a "hot sheet" because the original purchaser was in the wind, how is the new buyer to protect themselves from losing the tractor because of a scammer?