Unless your credit is absolutely terrible, just go ahead and finance a kubota or JD and be done with it. If you decide two years down the road the payments are too much then sell it for basically what you paid.
If you really wanna go bottom of the barrel, then look at Case or New Holland. They are a big enough company that wont be belly up in a decade, and you'll pay less for one of their tractors. But it ain't no jd or kubota.
