CaseIH stores went that route decades ago. They set everybody up with a CaseIH credit card. So either you pay cash or check at the counter or it goes on the CaseIH credit card. Of course you can pay with any Visa or what have you but if you call in parts to be set outside it goes on the card. If you have a machine worked on, it doesn't get delivered until you write a check or it goes on the card. One way or the other they are getting paid before it leaves the store. They are not a financing bank. They sell machines and parts. If you want revolving credit, you put it on a card or borrow from your own lender, because they have no open accounts for anybody.
I think the 1980s and 90s put a lot of these dealers on the hook for 10s of thousands if not hundreds of thousands in unpaid accounts and they simply are not doing it any more nor should they. There's all kinds of people in the credit business that are willing to take the risk on you, your equipment dealer can't afford the risk. A big tractor repair is over ten grand easy. Combines can cost 20 grand plus just for yearly checkups. How many farmers would it take to put a dealer in the red if only 5% drug their feet paying their bills? It's not that they don't appreciate your timely bill paying but I'm willing to bet your the other 5% minority that pay on time every time. So it's not about you, it's about the other guys who ruined it for everybody else. Frankly, I'm surprised to hear there are any dealers left in this part of the country that offered in house revolving credit. I thought they quit doing that everywhere long ago.
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Today's Featured Article - Restoration Story: Fordson Major - by Anthony West. George bought his Fordson Major from a an implement sale about 18 years ago for £200.00 (UK). There is no known history regarding its origins or what service it had done, but the following work was undertaken alone to bring it up to show standard. From the engine number, it was found that this Major was produced late 1946. It was almost complete but had various parts that would definitely need replacing.
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