First, I'd be concerned if they offered you a Farm Plan account. Farm Plan ceased to exist a few years ago. It's now called John Deere Financial.
Second, no problems with John Deere Financial or Farm Plan here. If you think the dealer is going to use JDF to screw you, then you need a new dealer. I've never had a dispute with them I couldn't work out. And if they get you once, you can go somewhere else just as easily. With a JDF account, more easily!
Third, many other companies use JDF as a payment system, and offer discounts if you use it over an open account. A local feed company will invoice you 2% less if you pay via JDF vs an open account. The only way to buy cheaper from them is to use ACH debit, and that to me is much scarier than JDF. With JDF, you still send the check, and see the charges before you pay. A local animal supply house does the same thing.
Last, in this neighborhood, no local dealer has used open accounts in decades. Yes, we have accounts at the hardware store, Napa, steel distributor, etc. But all the dealers went to external billing a long time ago.
Odds are this isn't anything against you, it is a blanket decision. Helps cover the dealer's butt, and costs you nothing. While it seems you might be offended, you shouldn't be.
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