Kubota Credit Corporation Guide

Kubota Credit Corporation

Kubota Credit is the lending arm of Kubota Finance which can offer very competitive finance, credit and leasing options on new and used Kubota tractors and other agricultural machinery, construction equipment, excavators, loaders, zero turn mowers, rtv’s etc, both through its dedicated website and through its dealer networks.

This applies to Kubota snowblowers, garden mowers, tractors, construction equipment and Kubota RTV’s

Kubota Credit Corporation is effectively a finance company owned by Kubota, and anyone wanting to use it to purchase a Kubota tractor or other product should review the various deals that are available, and compare them with other loans or credit arrangements available from other banks and finance houses on a like-for-like basis.

Anyone applying to Kubota finance should be aware that the credit comments for an individual will be the same as with any other finance company.

Kubota will want to know initially whether the purchase of a Kubota tractor or other product is for commercial or private use. This will determine the type of credit checks they do on the individual, whether as a company or sole trader or private individual or all of them.

Kubota Credit Corporation Phone Number /  Mailing Address

The Kubota Credit Corporation’s is headquartered in Grapevine, Texas where all their main customer support is based. All enquiries should initially be redirected here, or to a local Kubota dealer who can probably supply additional information. Contact Details below

Kubota Credit Corporation Grapevine Texas

Kubota Credit Corporation USA,

PO BOX 2048

Grapevine, TX 76099

Phone : 888 – 465 – 8268

Open from 7.30 am – 7.30 pm, local time.

Customer support can also be obtained on 1 – 888 – GC – KUBOTA

Kubota Credit Corporation Payment Options

Kubota Finance offers a number of different payment options, the most common ones being the direct payment plan, paying online and paying by phone. Kubota make it relatively easy to do any one of the three, probably because they realise that a number of people still prefer more traditional ways of paying rather than doing everything online.

Kubota Credit Corporation –  Direct Payment

This is probably in many ways the most common and traditional form of payment of Kubota Finance, where a payment is scheduled to be taken on a regular basis from  the customers checking account, meaning that payments  do not have to be authorised every month, with the security of knowing that they will be made as required. As with most direct payment systems, they may take a few days to set up, but once up and running, are by far the easiest way of maintaining payments.

Kubota Credit Corporation Online Payment

Kubota Finance has a system called pay online, where payments can be set up to be debited directly from your account. These payments can either be a one-off payments, or regular ones. In order to set up online payments, the customer needs to register their account on the main Kubota Credit Corporation website, and once that is done they are able to access the online payment system.

Kubota Credit Corporation Payment Address

A number of customers like to mail their payment checks, and Kubota Finance has two different addresses, depending upon where you live. For those people who live in Alaska, Arizona, California, Hawaii, Idaho, Montana, Nevada, Oregon, Utah, Washington or Wyoming, the payment address is below.

Kubota Credit Corporation USA, PO BOX 894717, Los Angeles, California, 90189 – 4717

For anyone else living in a different state, the address is below :

Kubota Credit Corporation USA, PO Box 0559, Carol Stream, Illinois 60132 – 0559

Kubota Credit Corporation Login

Before being able to login to your account, you need to register on the main Kubota Finance website. This is a very simple process, and involves registering in the way that you would for most websites nowadays.

The only difference is that  the customer needs to supply their account number, and the last four digits of their Social Security number. Once this is done, it will be checked against Kubota’s database as an additional form of security, and then the customer will be registered and it would access the account.

They will simply need a user ID and password which they choose themselves when registering.

Kubota Credit Corporation Interest Rates

The interest rates that Kubota Credit Corporation charge customers are normally in line with the interest rates that would be charged by any other commercial lending company organisation, such as a bank or credit union.

There are a number of factors that determine what these interest rates are, but on the whole they are determined by the individual’s credit score and their credit history.

There are occasions when Kubota Finance, either nationally or through local dealerships, will offer special deals on interest rates, either zero or low fixed rates for a period of time.

These may be related to specific Kubota products, and will virtually always only be offered to customers with an exceptionally good credit history.

The main advantage of Kubota finance through Kubota Credit Corporation, is largely that it makes the process of finance and purchase much easier to negotiate, especially if there are any special offers, rather than anyone obtaining a preferential interest rate simply because they are buying a Kubota product, and financing it through Kubota Credit Corporation.

Kubota Credit Corporation Special Offers

Kubota regularly makes special offers on products, sometimes these are in conjunction with special offers through Kubota Credit Corporation.

These offers can be made either nationally, in different states, or simply through local dealerships. They can sometimes be a way of clearing inventory, or making way for a new product to market. They can sometimes be seasonal, or directed to specific target groups of customers.

What this really means is that if someone is willing to invest a degree of time in checking out what offers are likely to be made and when, which can be done by accessing the past history of offers, and are willing to be patient, then they may be able to make significant savings on buying any new tractor or agricultural products.

Kubota Credit Corporation Insurance Agency

Any finance arranged through Kubota Credit Corporation will be required to be secured by some type of insurance agreement, which can either be arranged through Kubota Credit Corporation Insurance Agency. This type of insurance can be quite complicated at times, as most agricultural machinery is used both on private land and often on public roads as well.

The insurance also needs to be done in conjunction with other insurance needs of the business, which can include home and land insurance, as well as many different types of liability insurance both employer and public.

The specific insurance required against any Kubota Finance product is likely to be a condition of sale

Kubota Credit Corporation Application and Pre-Approval

The cost of a Kubota tractor can be a significant investment, both for an individual or for a large agricultural company.

Prior to purchasing a Kubota tractor, it is worth doing a significant amount of research both around prices for new and used Kubota tractors, as well as research into issues concerning Kubota dealer networks, Kubota parts, Kubota servicing and the general life expectancy of the Kubota tractor or other product you may be thinking of purchasing or leasing.

Kubota Credit Corporation is likely to offer some type of Kubota Fnance deal depending upon the creditworthiness of the individual.

They will require a significant amount of private and personal information before making such a decision.

This will involve the individual being assessed by way of a credit check and credit report, which will give Kubota Credit Corporation the necessary information it needs to make such a decision.

If Kubota Credit Corporation decides that the individual is a good risk, financially, then they are likely to offer a finance deal that will favourably compete with other finance deals that may be available to other credit corporations or banks.

If Kubota Credit Corporation decides the individual is not a good risk, then they may still offer a finance deal, but it is likely to involve amended terms and conditions, such as a higher interest rate over the loan term, and increase deposit or a combination of both .

Kubota Credit Financing

What is important to note is that that are different rates and terms and conditions that will apply to each type of Kubota Finance deal for a tractor, and for varying amounts of time. There are likely to be differing amounts of deposit required as well, or down payment, depending on the individual’s creditworthiness.

Kubota Customer Rebates

In addition to offering differing levels of interest rates, Kubota Finance also offers what they refer to as customer rebates. These in effect simply discounts on the list price that you would otherwise pay for a new Kubota. These can seem quite substantial for some models, but remember that, as with buying a new car, any list price should be negotiable in the first place.

Kubota Credit Leasing

Kubota Finance also offers the potential option of leasing a tractor, which can have significant attractions for many people. Leasing a Kubota tractor is effectively like a long-term rental. The main advantage is often being able to afford a brand-new tractor, which you would not otherwise be able to buy. There are always a number of variables as to what type of lease applies, the main ones being listed below.

True Lease

Fixed Price Purchase Option

Lease Purchase

Full Payout Lease

Lease Line of Credit

Step Lease

Seasonal Lease

Municipal Lease

All these type of leases will vary considerably as to how much of a down payment there is, the length of the lease, the rate of interest that apply to the lease, what happens at the end of the lease in terms of purchase or cleaning costs. It is really important to clarify at the outset of the lease all these terms and conditions.

Kubota Finance – Credit Score

It is worth making the point that all of these options are discretionary by Kubota, depending upon their decision concerning an individual’s creditworthiness or not, similar to financing or leasing an auto vehicle.

Kubota will rely heavily on an individual’s credit score or credit rating to make a determination as to whether to offer Kubota credit or not, and on what terms and conditions. There are things an individual can do to improve their credit score, or to check that their credit score or credit rating is accurate. For more detailed information on how credit scores work click here.

Kubota Credit / Kubota Finance Payoff

If an individual wants to pay off a Kubota credit  / Kubota Finance arrangement early, i.e. before the end of the lease or finance arrangement has been reached, then this is known as a Kubota credit payoff.

In many ways it is in both parties interests to pay off any type of credit arrangement only, for the individual and for Kubota finance. If this an individual is leasing a Kubota tractor or other agricultural products, then there are likely to be two main issues that need to be considered.

On this at the individual they will be offered the option of buying the tractor at a reduced rate from Kubota finance, taking into account how much they have already paid under the terms of the lease, and the time remaining on the lease itself.

The other issue which will come into play, whether the individual decides to purchase the Kubota tractor simply to end the lease completely will be the condition of the tractor itself.

This is likely to involve some type of inspection of the Kubota tractor to assess its condition and general wear and tear and the effects of its usage.

There is likely to be a very specific set of criteria against which any final assessment of the Kubota tractor is likely to be judged, and the details of this assessment should be set out in the initial agreement to lease or buy the Kubota tractor.


Perhaps the most important two terms that are used in the whole credit application process, either for leasing or purchasing any type of Kubota tractor, the terms credit report and credit score.

Working backwards in a sense, a credit score is a number that is allocated to the individual, between a range of two other numbers.

As an example, an individual might be allocated a credit score of 350, between a range of o  and 700.

In this instance, the credit rating agency would-be describing the credit score as average, where as a higher or a lower credit score could indicate their opinion as to whether the individual is a good or a bad credit risk.

The credit score is allocated to the individual by a credit rating agency, who will do the work on behalf of Ford credit or any other financial institution.

The credit rating agency will initially produce what is known as a credit report, and base on this report they will use the documentation within it to come up with the number deemed to be the credit score.

The information contained within the credit report will be a significant amount of personal information about the individual, such as their name, date of birth, residency and previous residences, current or past mortgages, current and past employment history, current and past credit card debts and status etc etc.

Once the credit rating agency has produced this report, they then allocate a number, and Ford credit or other financial institutions all revenues this number as a basis for deciding whether or not to offer any type of credit or finance and on what terms and conditions.

These terms and conditions basically cover the size of any down payment, the level of interest rate charged over the period of the  loan or lease agreement, whether the interest rate is fixed or variable, and any other special conditions that may be imposed.

Kubota Credit Special Offers

Kubota will offer a range of special offers, normally consisting of special financing, customer rebates and other offers. These can be viewed via the main Kubota website, or through a local participating dealership. A Kubota dealer may offer additional deals, sometimes relating to servicing and maintenance plans or other inducements to purchase a tractor through them.

Current Kubota Special Offers, which are listed on the main Kubota website as of April 2019, and which should be taken as examples only, include:

0% interest APR, 0% down, financing for 48 months on various Kubota Zero Turn Models

Farmer Veteran Coalition Member Rebate

Kubota and/or Land Pride Implement Stand Alone Financing Instalment Program

Low Rate Financing for Rental Businesses – Tractors, Mowers, Utility Vehicles.

General Conditions

Any Kubota special offers will be subject to a number of conditions, normally that all offers will be dependent upon the individual’s credit score, and subject to approval by Kubota credit Corporation. This means that a number of customers will not qualify for these offers, and in reality, they are likely to be offered only to people with exceptionally high credit score ratings.

In addition, all Kubota special offers will be subject to being offered by participating Kubota dealerships only, meaning that some dealerships may not offer all of the deals that Kubota are offering nationally.