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 - A Lifetime of Farm Machinery - by Joe Michaels. I am a mechanical engineer by profession, specializing in powerplant work. I worked as a machinist and engine erector, with time spent overseas. I have always had a love for machinery, and an appreciation for farming and farm machinery. I was born and raised in Brooklyn, New York. Not a place one would associate with farms or farm machinery. I credit my parents for instilling a lot of good values, a respect for learning, a knowledge of various skills and a little knowledge of farming in me, amo
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